Auto Loan Rates in Covington, Tennessee (TN) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Covington, Tennessee. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Covington, Tennessee include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Orion Federal Credit UnionOrion Federal Credit UnionA+5.0 ★Texas Ratio: 2.33% offering Auto Loans at 3.45%, Southeast Financial Credit UnionSoutheast Financial Credit UnionA5.0 ★Texas Ratio: 9.30% offering New Auto at 3.50%, Owensboro Federal Credit UnionOwensboro Federal Credit UnionA+5.0 ★Texas Ratio: 0.78% offering Auto Loan at 3.75%, Scenic Community Credit UnionScenic Community Credit UnionA+5.0 ★Texas Ratio: 4.93% offering New and Used Vehicles Loan at 3.95%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Covington borrowers have access to 37 lenders serving the Tennessee area, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union. 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 Covington, Tennessee. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Covington, Tennessee & Surrounding Area
Covington Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Auto Loans
3.45%
Max. 84 Months
▼
APR3.45%
TermMax. 84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Starting at 3.45%
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Auto
3.50%
1 year
▼
APR3.50%
Term1 year
Last UpdatedJul 11, 2026
Details
As Low As; New Auto
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 1 Year
3.50%
1 Year
▼
APR3.50%
Term1 Year
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
3.75%
48 MONTHS
▼
APR3.75%
Term48 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
3.95%
48 mo. or less
▼
APR3.95%
Term48 mo. or less
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
New Auto
3.99%
12-96 months
▼
APR3.99%
Term12-96 months
Last UpdatedJul 7, 2026
Details
As Low As; Collateral Type: New
Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Auto Loans
3.99%
96 months
▼
APR3.99%
Term96 months
Last UpdatedJul 16, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJul 16, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.00%
49 - 63 mo.
▼
APR4.00%
Term49 - 63 mo.
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
New Auto
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 2 Years
4.00%
2 Years
▼
APR4.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Auto
4.00%
1 year
▼
APR4.00%
Term1 year
Last UpdatedJul 11, 2026
Details
As Low As; Used Auto
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 1 Year
4.00%
1 Year
▼
APR4.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
4.00%
60 MONTHS
▼
APR4.00%
Term60 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.20%
64 - 75 mo.
▼
APR4.20%
Term64 - 75 mo.
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedJul 6, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedJul 11, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 3 Years
4.25%
3 Years
▼
APR4.25%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 2 Years
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
4.25%
48 MONTHS
▼
APR4.25%
Term48 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Auto Loans
4.49%
60 Month
▼
APR4.49%
Term60 Month
Last UpdatedJul 7, 2026
Details
New Vehicle Loans!
APR4.49%
Term24 months
Last UpdatedJul 11, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Promotional Rate
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
New Autos
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Rates posted are for reference only and subject to change without notice. Membership eligibility applies. Rates subject to creditworthiness and other terms and conditions. As Low As; 73-84 month terms are available for new and used vehicles within three model years or less. Loan terms may be shorter to qualify for APR.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New & Used Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 16, 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: 4.99%
New Auto (90% of Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Semi-New Auto (90% of Retail, 501 - 15,000 Miles)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto (90% of NADA Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJul 11, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 4 Years
4.50%
4 Years
▼
APR4.50%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 3 Years
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
4.50%
60 Month Fixed
▼
APR4.50%
Term60 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
4.50%
72 MONTHS
▼
APR4.50%
Term72 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicle Loan
4.74%
Up To 60 Months
▼
APR4.74%
TermUp To 60 Months
Last UpdatedJul 15, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 16, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedJul 6, 2026
Details
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
Used Auto
4.75%
12-96 months
▼
APR4.75%
Term12-96 months
Last UpdatedJul 7, 2026
Details
Collateral Type: Used
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
New Autos
4.75%
24 - 120 Months
▼
APR4.75%
Term24 - 120 Months
Last UpdatedJul 7, 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.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Car Loan
4.75%
60 Month Fixed
▼
APR4.75%
Term60 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
4.75%
72 MONTHS
▼
APR4.75%
Term72 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.85%
48 mo. or less
▼
APR4.85%
Term48 mo. or less
Last UpdatedJul 7, 2026
Details
25,001 miles to 99,999 miles Up to 135% of Retail - see below
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedJul 6, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Used Autos
4.90%
24 - 120 Months
▼
APR4.90%
Term24 - 120 Months
Last UpdatedJul 7, 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: 4.93%
New and Used Vehicles Loan
4.95%
49 - 63 mo.
▼
APR4.95%
Term49 - 63 mo.
Last UpdatedJul 7, 2026
Details
25,001 miles to 99,999 miles Up to 135% of Retail - see below
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 7, 2026
Details
As Low As
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto's
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 7, 2026
Details
As low as 4.99%; Some restrictions apply. All new auto loans not to exceed MSRP and all used auto loans not to exceed NADA retail.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Auto
4.99%
60 months or less
▼
APR4.99%
Term60 months or less
Last UpdatedJul 11, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
New Auto (2025-2026)
APR4.99%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 15, 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
▼
APR4.99%
Term78 months
Last UpdatedJul 15, 2026
Details
As Low As; Refinance your auto loan with us and don't worry about making payments in the summer!
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
Used Autos
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedJul 16, 2026
Details
Rates posted are for reference only and subject to change without notice. Membership eligibility applies. Rates subject to creditworthiness and other terms and conditions. As Low As; 73-84 month terms are available for new and used vehicles within three model years or less. Loan terms may be shorter to qualify for APR.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New & Used Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 16, 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: 4.99%
New Auto (100% of Retail)
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 16, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
New Auto
5.00%
84 Months**
▼
APR5.00%
Term84 Months**
Last UpdatedJul 11, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 5 Years
5.00%
5 Years
▼
APR5.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 1 Year
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 4 Years
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
Auto Loans
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
Fixed rates. Credit qualifications may apply.
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
Autos 2026 & older
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
Fixed
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
5.00%
60 MONTHS
▼
APR5.00%
Term60 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.00%
48 mos.
▼
APR5.00%
Term48 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026)
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
5.05%
60 months or less
▼
APR5.05%
Term60 months or less
Last UpdatedJul 11, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.10%
76 - 84 mo.
▼
APR5.10%
Term76 - 84 mo.
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Vehicle Loan
5.14%
Up To 60 Months
▼
APR5.14%
TermUp To 60 Months
Last UpdatedJul 15, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicle Loan
5.24%
61 - 75 Months
▼
APR5.24%
Term61 - 75 Months
Last UpdatedJul 15, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedJul 6, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
New Auto (2025-2026)
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
Autos 2026 & older
5.25%
Up to 84 months
▼
APR5.25%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
Fixed
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
Vehicle Loan
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
5.25%
66 MONTHS
▼
APR5.25%
Term66 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.25%
60 mos.
▼
APR5.25%
Term60 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026); ($20,000-$29,999)
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Auto
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedJul 11, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
5.35%
72 months
▼
APR5.35%
Term72 months
Last UpdatedJul 11, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
APR5.49%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Vehicle Loan
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 16, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
5.50%
Up to 84 months
▼
APR5.50%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
New Auto (2025-2026) * Denotes an auto over $40K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 6 Years
5.50%
6 Years
▼
APR5.50%
Term6 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 5 Years
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedJul 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
5.50%
72 Month Fixed
▼
APR5.50%
Term72 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.50%
72 mos.
▼
APR5.50%
Term72 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026)
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedJul 15, 2026
Details
As Low As; under 10,000 miles
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedJul 6, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van Loan
5.70%
36-84 month financing
▼
APR5.70%
Term36-84 month financing
Last UpdatedJul 15, 2026
Details
2013-2022 models
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicle Loan
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedJul 15, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Cars, Trucks, Vans Loan
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedJul 15, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedJul 6, 2026
Details
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
NEW AUTO LOANS 2026 OR NEWER
5.75%
4YRS
▼
APR5.75%
Term4YRS
Last UpdatedJul 11, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
5.75%
>$25,0000 for 84 months
▼
APR5.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 1 Year
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedJul 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Car Loan
5.75%
72 Month Fixed
▼
APR5.75%
Term72 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.75%
84 mos.
▼
APR5.75%
Term84 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026); ($30,000 and above)
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New & Used Auto Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedJul 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedJul 6, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.90%
48 mo.
▼
APR5.90%
Term48 mo.
Last UpdatedJul 7, 2026
Details
100,000 miles to 125,000 miles Up to 120% of Retail - see below
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Cars, Trucks, Vans Loan
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedJul 15, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Auto Loan
5.99%
2020-2027
▼
APR5.99%
Term2020-2027
Last UpdatedJul 15, 2026
Details
Fixed; as low as
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Auto Loan 2020-2027
5.99%
2020-2027
▼
APR5.99%
Term2020-2027
Last UpdatedJul 15, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
5.99%
61 - 72 months
▼
APR5.99%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
5.99%
37 - 60 months
▼
APR5.99%
Term37 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Cars, Trucks, Vans Loan
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedJul 15, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans greater than 100,000 Miles Loan
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJul 16, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
6.00%
76-84 mo.
▼
APR6.00%
Term76-84 mo.
Last UpdatedJul 7, 2026
Details
25,001 miles to 99,999 miles Up to 135% of Retail - see below
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 2 Years
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
6.00%
84 Month Fixed
▼
APR6.00%
Term84 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
6.00%
84 MONTHS
▼
APR6.00%
Term84 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
APR6.00%
Term60 mos.
Last UpdatedJul 16, 2026
Details
Used Auto (2020-2023)
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
6.10%
60 months or less
▼
APR6.10%
Term60 months or less
Last UpdatedJul 11, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
6.15%
49 - 60 mo.
▼
APR6.15%
Term49 - 60 mo.
Last UpdatedJul 7, 2026
Details
125,001 miles to 150,000 miles Up to 120% of Retail - see below
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Auto
6.20%
84 months
▼
APR6.20%
Term84 months
Last UpdatedJul 11, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.24%
63 Months
▼
APR6.24%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Cars, Trucks, Vans Loan
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedJul 15, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans greater than 100,000 Miles Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedJul 16, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
6.25%
84 months
▼
APR6.25%
Term84 months
Last UpdatedJul 11, 2026
Details
APR6.25%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
Autos Less than 100,000 miles
6.25%
Up to 96 months
▼
APR6.25%
TermUp to 96 months
Last UpdatedJul 15, 2026
Details
Fixed
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
6.25%
96 Month Fixed
▼
APR6.25%
Term96 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Car Loan
6.25%
84 Month Fixed
▼
APR6.25%
Term84 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
Vehicle Loan
6.25%
Up to 84 Months
▼
APR6.25%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Autos
6.25%
6 - 84 months
▼
APR6.25%
Term6 - 84 months
Last UpdatedJul 15, 2026
Details
As Low As; 7 years old or newer
APR6.25%
Term72 mos.
Last UpdatedJul 16, 2026
Details
Used Auto (2020-2023); ($20,000 and above)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Vehicle Loan
6.29%
76 - 84 Months
▼
APR6.29%
Term76 - 84 Months
Last UpdatedJul 15, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.33%
66 Months
▼
APR6.33%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.38%
72 Months
▼
APR6.38%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
6.50%
61 - 72 mo.
▼
APR6.50%
Term61 - 72 mo.
Last UpdatedJul 7, 2026
Details
100,000 miles to 125,000 miles Up to 120% of Retail - see below
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
NEW AUTO LOANS 2026 OR NEWER
6.50%
5YRS
▼
APR6.50%
Term5YRS
Last UpdatedJul 11, 2026
Details
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
USED CAR 2018-2025 Loan
6.50%
4YRS
▼
APR6.50%
Term4YRS
Last UpdatedJul 11, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
6.50%
Up to 96 months
▼
APR6.50%
TermUp to 96 months
Last UpdatedJul 11, 2026
Details
New Auto (2025-2026) ** Denotes an auto over $50K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 7 Years
6.50%
7 Years
▼
APR6.50%
Term7 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 3 Years
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 6 Years
6.50%
6 Years
▼
APR6.50%
Term6 Years
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
6.50%
60 MONTHS
▼
APR6.50%
Term60 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Used Vehicles Loan
6.50%
up to 60 months
▼
APR6.50%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
APR6.50%
Term60 mos.
Last UpdatedJul 16, 2026
Details
Used Auto (2017-2019)
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.64%
66 Months
▼
APR6.64%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedJul 6, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
6.75%
>$25,0000 for 84 months
▼
APR6.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 2 Years
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedJul 11, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Autos
6.75%
6 - 72 months
▼
APR6.75%
Term6 - 72 months
Last UpdatedJul 15, 2026
Details
As Low As; 8-15 years old
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedJul 6, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Auto Loan
6.99%
2013-2019
▼
APR6.99%
Term2013-2019
Last UpdatedJul 15, 2026
Details
Fixed; as low as
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
6.99%
61 - 72 months
▼
APR6.99%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Cars, Trucks, Vans Loan
6.99%
Up to 84 mos.
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedJul 15, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 4 Years
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 3 Years
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedJul 11, 2026
Details
APR7.00%
Term48 mos.
Last UpdatedJul 16, 2026
Details
Used Auto (2015-2016)
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
7.24%
73 - 84 months
▼
APR7.24%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Cars, Trucks, Vans Loan
7.24%
Up to 84 mos.
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedJul 15, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans greater than 100,000 Miles Loan
7.24%
72 months
▼
APR7.24%
Term72 months
Last UpdatedJul 16, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
7.45%
48 months or less
▼
APR7.45%
Term48 months or less
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 7 Years
7.50%
7 Years
▼
APR7.50%
Term7 Years
Last UpdatedJul 11, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 7.39%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedJul 16, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
7.60%
60 months
▼
APR7.60%
Term60 months
Last UpdatedJul 11, 2026
Details
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
NEW AUTO LOANS 2026 OR NEWER
7.75%
6YRS
▼
APR7.75%
Term6YRS
Last UpdatedJul 11, 2026
Details
25k OR ABOVE
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Classic Autos
7.75%
6 - 84 months
▼
APR7.75%
Term6 - 84 months
Last UpdatedJul 15, 2026
Details
As Low As; 25 years and older
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
7.87%
75 Months
▼
APR7.87%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Classic / Older Used Auto
7.99%
Up to 36 months
▼
APR7.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 5 Years
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 4 Years
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
NEW AUTO LOANS 2026 OR NEWER
8.25%
7YRS
▼
APR8.25%
Term7YRS
Last UpdatedJul 11, 2026
Details
40k OR ABOVE
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
USED CAR 2018-2025 Loan
8.25%
5YRS
▼
APR8.25%
Term5YRS
Last UpdatedJul 11, 2026
Details
Powered by
MonitorBankRates
Covington New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Auto
3.50%
1 year
▼
APR3.50%
Term1 year
Last UpdatedJul 11, 2026
Details
As Low As; New Auto
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 1 Year
3.50%
1 Year
▼
APR3.50%
Term1 Year
Last UpdatedJul 11, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
3.95%
48 mo. or less
▼
APR3.95%
Term48 mo. or less
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
New Auto
3.99%
12-96 months
▼
APR3.99%
Term12-96 months
Last UpdatedJul 7, 2026
Details
As Low As; Collateral Type: New
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJul 16, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.00%
49 - 63 mo.
▼
APR4.00%
Term49 - 63 mo.
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
New Auto
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 2 Years
4.00%
2 Years
▼
APR4.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.20%
64 - 75 mo.
▼
APR4.20%
Term64 - 75 mo.
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedJul 6, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedJul 11, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 3 Years
4.25%
3 Years
▼
APR4.25%
Term3 Years
Last UpdatedJul 11, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Auto Loans
4.49%
60 Month
▼
APR4.49%
Term60 Month
Last UpdatedJul 7, 2026
Details
New Vehicle Loans!
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Promotional Rate
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
New Autos
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Rates posted are for reference only and subject to change without notice. Membership eligibility applies. Rates subject to creditworthiness and other terms and conditions. As Low As; 73-84 month terms are available for new and used vehicles within three model years or less. Loan terms may be shorter to qualify for APR.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New & Used Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 16, 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: 4.99%
New Auto (90% of Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Semi-New Auto (90% of Retail, 501 - 15,000 Miles)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 4 Years
4.50%
4 Years
▼
APR4.50%
Term4 Years
Last UpdatedJul 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
4.50%
60 Month Fixed
▼
APR4.50%
Term60 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicle Loan
4.74%
Up To 60 Months
▼
APR4.74%
TermUp To 60 Months
Last UpdatedJul 15, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 16, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedJul 6, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
New Autos
4.75%
24 - 120 Months
▼
APR4.75%
Term24 - 120 Months
Last UpdatedJul 7, 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.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.85%
48 mo. or less
▼
APR4.85%
Term48 mo. or less
Last UpdatedJul 7, 2026
Details
25,001 miles to 99,999 miles Up to 135% of Retail - see below
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedJul 6, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.95%
49 - 63 mo.
▼
APR4.95%
Term49 - 63 mo.
Last UpdatedJul 7, 2026
Details
25,001 miles to 99,999 miles Up to 135% of Retail - see below
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 7, 2026
Details
As Low As
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto's
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 7, 2026
Details
As low as 4.99%; Some restrictions apply. All new auto loans not to exceed MSRP and all used auto loans not to exceed NADA retail.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Auto
4.99%
60 months or less
▼
APR4.99%
Term60 months or less
Last UpdatedJul 11, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
New Auto (2025-2026)
APR4.99%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New & Used Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 16, 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: 4.99%
New Auto (100% of Retail)
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
New Auto
5.00%
84 Months**
▼
APR5.00%
Term84 Months**
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 5 Years
5.00%
5 Years
▼
APR5.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 1 Year
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.00%
48 mos.
▼
APR5.00%
Term48 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026)
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.10%
76 - 84 mo.
▼
APR5.10%
Term76 - 84 mo.
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicle Loan
5.24%
61 - 75 Months
▼
APR5.24%
Term61 - 75 Months
Last UpdatedJul 15, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedJul 6, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
New Auto (2025-2026)
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.25%
60 mos.
▼
APR5.25%
Term60 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026); ($20,000-$29,999)
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Auto
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedJul 11, 2026
Details
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
5.50%
Up to 84 months
▼
APR5.50%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
New Auto (2025-2026) * Denotes an auto over $40K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 6 Years
5.50%
6 Years
▼
APR5.50%
Term6 Years
Last UpdatedJul 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
5.50%
72 Month Fixed
▼
APR5.50%
Term72 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.50%
72 mos.
▼
APR5.50%
Term72 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026)
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedJul 15, 2026
Details
As Low As; under 10,000 miles
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedJul 6, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicle Loan
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedJul 15, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Cars, Trucks, Vans Loan
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedJul 15, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedJul 6, 2026
Details
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
NEW AUTO LOANS 2026 OR NEWER
5.75%
4YRS
▼
APR5.75%
Term4YRS
Last UpdatedJul 11, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
5.75%
>$25,0000 for 84 months
▼
APR5.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.75%
84 mos.
▼
APR5.75%
Term84 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026); ($30,000 and above)
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New & Used Auto Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedJul 16, 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: 4.93%
New and Used Vehicles Loan
5.90%
48 mo.
▼
APR5.90%
Term48 mo.
Last UpdatedJul 7, 2026
Details
100,000 miles to 125,000 miles Up to 120% of Retail - see below
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
5.99%
61 - 72 months
▼
APR5.99%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Cars, Trucks, Vans Loan
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedJul 15, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
6.00%
76-84 mo.
▼
APR6.00%
Term76-84 mo.
Last UpdatedJul 7, 2026
Details
25,001 miles to 99,999 miles Up to 135% of Retail - see below
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 2 Years
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
6.00%
84 Month Fixed
▼
APR6.00%
Term84 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
6.15%
49 - 60 mo.
▼
APR6.15%
Term49 - 60 mo.
Last UpdatedJul 7, 2026
Details
125,001 miles to 150,000 miles Up to 120% of Retail - see below
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Auto
6.20%
84 months
▼
APR6.20%
Term84 months
Last UpdatedJul 11, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
6.25%
96 Month Fixed
▼
APR6.25%
Term96 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
6.50%
61 - 72 mo.
▼
APR6.50%
Term61 - 72 mo.
Last UpdatedJul 7, 2026
Details
100,000 miles to 125,000 miles Up to 120% of Retail - see below
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
NEW AUTO LOANS 2026 OR NEWER
6.50%
5YRS
▼
APR6.50%
Term5YRS
Last UpdatedJul 11, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
6.50%
Up to 96 months
▼
APR6.50%
TermUp to 96 months
Last UpdatedJul 11, 2026
Details
New Auto (2025-2026) ** Denotes an auto over $50K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 7 Years
6.50%
7 Years
▼
APR6.50%
Term7 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 3 Years
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Cars, Trucks, Vans Loan
6.99%
Up to 84 mos.
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedJul 15, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 4 Years
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 7.39%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedJul 16, 2026
Details
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
NEW AUTO LOANS 2026 OR NEWER
7.75%
6YRS
▼
APR7.75%
Term6YRS
Last UpdatedJul 11, 2026
Details
25k OR ABOVE
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 5 Years
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
NEW AUTO LOANS 2026 OR NEWER
8.25%
7YRS
▼
APR8.25%
Term7YRS
Last UpdatedJul 11, 2026
Details
40k OR ABOVE
Powered by
MonitorBankRates
Covington Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
3.95%
48 mo. or less
▼
APR3.95%
Term48 mo. or less
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.00%
49 - 63 mo.
▼
APR4.00%
Term49 - 63 mo.
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Auto
4.00%
1 year
▼
APR4.00%
Term1 year
Last UpdatedJul 11, 2026
Details
As Low As; Used Auto
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 1 Year
4.00%
1 Year
▼
APR4.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.20%
64 - 75 mo.
▼
APR4.20%
Term64 - 75 mo.
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedJul 6, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 2 Years
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedJul 11, 2026
Details
APR4.49%
Term24 months
Last UpdatedJul 11, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Promotional Rate
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New & Used Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 16, 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: 4.99%
Used Auto (90% of NADA Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 3 Years
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedJul 6, 2026
Details
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
Used Auto
4.75%
12-96 months
▼
APR4.75%
Term12-96 months
Last UpdatedJul 7, 2026
Details
Collateral Type: Used
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Car Loan
4.75%
60 Month Fixed
▼
APR4.75%
Term60 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.85%
48 mo. or less
▼
APR4.85%
Term48 mo. or less
Last UpdatedJul 7, 2026
Details
25,001 miles to 99,999 miles Up to 135% of Retail - see below
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Used Autos
4.90%
24 - 120 Months
▼
APR4.90%
Term24 - 120 Months
Last UpdatedJul 7, 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: 4.93%
New and Used Vehicles Loan
4.95%
49 - 63 mo.
▼
APR4.95%
Term49 - 63 mo.
Last UpdatedJul 7, 2026
Details
25,001 miles to 99,999 miles Up to 135% of Retail - see below
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 7, 2026
Details
As Low As
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto's
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 7, 2026
Details
As low as 4.99%; Some restrictions apply. All new auto loans not to exceed MSRP and all used auto loans not to exceed NADA retail.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
Used Autos
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedJul 16, 2026
Details
Rates posted are for reference only and subject to change without notice. Membership eligibility applies. Rates subject to creditworthiness and other terms and conditions. As Low As; 73-84 month terms are available for new and used vehicles within three model years or less. Loan terms may be shorter to qualify for APR.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New & Used Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 16, 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: 5.74%
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 16, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 4 Years
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.00%
48 mos.
▼
APR5.00%
Term48 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026)
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
5.05%
60 months or less
▼
APR5.05%
Term60 months or less
Last UpdatedJul 11, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.10%
76 - 84 mo.
▼
APR5.10%
Term76 - 84 mo.
Last UpdatedJul 7, 2026
Details
Up to 25,000 miles Up to 135% of Retail - see below
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Vehicle Loan
5.14%
Up To 60 Months
▼
APR5.14%
TermUp To 60 Months
Last UpdatedJul 15, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedJul 6, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.25%
60 mos.
▼
APR5.25%
Term60 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026); ($20,000-$29,999)
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
5.35%
72 months
▼
APR5.35%
Term72 months
Last UpdatedJul 11, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
APR5.49%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Vehicle Loan
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 5 Years
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedJul 11, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.50%
72 mos.
▼
APR5.50%
Term72 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026)
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van Loan
5.70%
36-84 month financing
▼
APR5.70%
Term36-84 month financing
Last UpdatedJul 15, 2026
Details
2013-2022 models
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedJul 6, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 1 Year
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedJul 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Car Loan
5.75%
72 Month Fixed
▼
APR5.75%
Term72 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.75%
84 mos.
▼
APR5.75%
Term84 mos.
Last UpdatedJul 16, 2026
Details
New or Used Auto (2024-2026); ($30,000 and above)
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New & Used Auto Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedJul 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedJul 6, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.90%
48 mo.
▼
APR5.90%
Term48 mo.
Last UpdatedJul 7, 2026
Details
100,000 miles to 125,000 miles Up to 120% of Retail - see below
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Cars, Trucks, Vans Loan
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedJul 15, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
5.99%
37 - 60 months
▼
APR5.99%
Term37 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans greater than 100,000 Miles Loan
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJul 16, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
6.00%
76-84 mo.
▼
APR6.00%
Term76-84 mo.
Last UpdatedJul 7, 2026
Details
25,001 miles to 99,999 miles Up to 135% of Retail - see below
APR6.00%
Term60 mos.
Last UpdatedJul 16, 2026
Details
Used Auto (2020-2023)
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
6.10%
60 months or less
▼
APR6.10%
Term60 months or less
Last UpdatedJul 11, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
6.15%
49 - 60 mo.
▼
APR6.15%
Term49 - 60 mo.
Last UpdatedJul 7, 2026
Details
125,001 miles to 150,000 miles Up to 120% of Retail - see below
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.24%
63 Months
▼
APR6.24%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Cars, Trucks, Vans Loan
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedJul 15, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans greater than 100,000 Miles Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedJul 16, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
6.25%
84 months
▼
APR6.25%
Term84 months
Last UpdatedJul 11, 2026
Details
APR6.25%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Car Loan
6.25%
84 Month Fixed
▼
APR6.25%
Term84 Month Fixed
Last UpdatedJul 15, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Autos
6.25%
6 - 84 months
▼
APR6.25%
Term6 - 84 months
Last UpdatedJul 15, 2026
Details
As Low As; 7 years old or newer
APR6.25%
Term72 mos.
Last UpdatedJul 16, 2026
Details
Used Auto (2020-2023); ($20,000 and above)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Vehicle Loan
6.29%
76 - 84 Months
▼
APR6.29%
Term76 - 84 Months
Last UpdatedJul 15, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.33%
66 Months
▼
APR6.33%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.38%
72 Months
▼
APR6.38%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
6.50%
61 - 72 mo.
▼
APR6.50%
Term61 - 72 mo.
Last UpdatedJul 7, 2026
Details
100,000 miles to 125,000 miles Up to 120% of Retail - see below
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
USED CAR 2018-2025 Loan
6.50%
4YRS
▼
APR6.50%
Term4YRS
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 6 Years
6.50%
6 Years
▼
APR6.50%
Term6 Years
Last UpdatedJul 11, 2026
Details
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Used Vehicles Loan
6.50%
up to 60 months
▼
APR6.50%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
APR6.50%
Term60 mos.
Last UpdatedJul 16, 2026
Details
Used Auto (2017-2019)
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.64%
66 Months
▼
APR6.64%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedJul 6, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
6.75%
>$25,0000 for 84 months
▼
APR6.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 2 Years
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedJul 11, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Autos
6.75%
6 - 72 months
▼
APR6.75%
Term6 - 72 months
Last UpdatedJul 15, 2026
Details
As Low As; 8-15 years old
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedJul 6, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
6.99%
61 - 72 months
▼
APR6.99%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 3 Years
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedJul 11, 2026
Details
APR7.00%
Term48 mos.
Last UpdatedJul 16, 2026
Details
Used Auto (2015-2016)
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
7.24%
73 - 84 months
▼
APR7.24%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Cars, Trucks, Vans Loan
7.24%
Up to 84 mos.
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedJul 15, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans greater than 100,000 Miles Loan
7.24%
72 months
▼
APR7.24%
Term72 months
Last UpdatedJul 16, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
7.45%
48 months or less
▼
APR7.45%
Term48 months or less
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 7 Years
7.50%
7 Years
▼
APR7.50%
Term7 Years
Last UpdatedJul 11, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
7.60%
60 months
▼
APR7.60%
Term60 months
Last UpdatedJul 11, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
7.87%
75 Months
▼
APR7.87%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Classic / Older Used Auto
7.99%
Up to 36 months
▼
APR7.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 4 Years
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
USED CAR 2018-2025 Loan
8.25%
5YRS
▼
APR8.25%
Term5YRS
Last UpdatedJul 11, 2026
Details
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MonitorBankRates
Covington, TN Auto Loan Rate Trends
Compare local Covington, 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.
New Auto Loan — TN Avg
5.918%
▲ 0.087 vs 7 days ago
Tennessee new auto rates rose 0.087 points over the past 7 days to 5.918% APR.
Used Auto Loan — TN Avg
6.440%
▲ 0.167 vs 7 days ago
Tennessee used auto rates rose 0.167 points over the past 7 days to 6.440% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Covington, Tennessee auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Covington, Tennessee directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Covington, Tennessee. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TN.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Covington, 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 Covington, 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 Covington, 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 Covington, Tennessee?
Based on our current data, some of the lowest auto loan rates available in Covington, Tennessee include:
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Orion Federal Credit Union: 3.45% (Auto Loans)
- Southeast Financial Credit Union: 3.50% (New Auto)
- Owensboro Federal Credit Union: 3.75% (Auto Loan)
- Scenic Community Credit Union: 3.95% (New and Used Vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Covington, Tennessee. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
Covington, Tennessee Rates & Resources
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