Auto Loan Rates in Virginia (VA) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Virginia include Central Virginia Federal Credit UnionCentral Virginia Federal Credit Union1638 Mount Athos Rd, Lynchburg, VA, 24504 5429A5.0 ★Texas Ratio: 7.87% offering New Auto at 2.99%, Park View Federal Credit UnionPark View Federal Credit Union1675 Virginia Ave, Harrisonburg, VA, 22802A+5.0 ★Texas Ratio: 0.50% offering New Auto Loan at 3.24%, Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit Union50 W Commerce Rd, Richmond, VA, 23224 2316A+5.0 ★Texas Ratio: 0.92% offering New and Used Vehicles Loan at 3.49%, Credit Union of RichmondCredit Union of Richmond1601 Ownby Ln, Richmond, VA, 23220A+5.0 ★Texas Ratio: 0.59% offering New Auto Purchase (Never Titled) at 3.49%, Virginia Beach Postal Federal Credit UnionVirginia Beach Postal Federal Credit Union501 Viking Dr # A, Virginia Beach, VA, 23452 7306A+5.0 ★Texas Ratio: 0.01% offering NEW AUTOS - Model Years 2026 or newer at 3.50%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Virginia side-by-side. Virginia auto loan rates currently start as low as 2.99% APR from Central Virginia Federal Credit Union at 1638 Mount Athos Rd, Lynchburg, VA, 24504 5429. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Virginia. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in Virginia
Virginia Auto Loan Rates
As Low As; Modal Year: 2025 & newer
As Low As; Modal Year: 2020-2025
As Low As; Model Year: 2025 and newer
As Low As
As Low As
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As
As Low As
Model Year: 2019-2024; APR Range: 3.74 - 15.99%
As Low As
As Low As; Rates shown are for qualified borrowers only. All loans are subject to credit approval. Rates and terms are based on creditworthiness, loan amount and collateral. Rates may vary or change at any time. Payment Example: $30,000 at 3.99% APR for 48 months would be approximately $677/month.
As Low As
As Low As*
APR up to 15.00%
As Low As; Minimum of $1,000 loan
As Low As; Modal Year: 2025 & newer
As Low As; Modal Year: 2020-2025
As Low As; Model Year: 2025 and newer
As Low As; Est. Monthly Payment $29.61
100% Financing
As Low As
As Low As
As Low As; Minimum loan of $5,000
As Low As; Maximum Loan Amount: $150,000
As Low As; - Minimum of $1,000 loan
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As*
As Low As; Sample Monthly Payment for $20,000: $593.96; Minimum Loan Amount: No Minimum
As Low As; Minimum loan of $5,000
As Low As; Maximum Loan Amount: $150,000
As Low As; Maximum Loan Amount: $75,000. ***
Model Year: 2019-2024; APR Range: 4.49 - 16.24%
As Low As
As Low As; Est. Monthly Payment $22.83
As Low As
As Low As
As Low As
Loan Amount: $2,500+
Up to 5 Years Old
As Low As
As Low As
As Low As
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Minimum loan of $5,000
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; Maximum Loan Amount: $150,000
As Low As; Maximum Loan Amount: $75,000. ***
Rate based on creditworthiness and term of loan. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
As Low As; Model Year: 2025 and newer
Maximum APR: 13.74%
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As; Est. Monthly Payment $29.72
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
over $12,000; Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As*
As Low As; Sample Monthly Payment for $20,000: $458.69; Minimum Loan Amount: $10,000
As Low As; Minimum of $1,000 loan
As Low As
Loan Amount: $2,500+
As Low As; Sample Monthly Payment for $20,000: $376.42; Minimum Loan Amount: $10,000
Up to 5 Years Old
As Low As
As Low As
As Low As; Starting at 4.99%
PenAir Rate; $1,130 is the difference between the amount paid in interest between PenAir Credit Union's rate at 4.99% APR compared to 6.35% APR for the National market average over the life of a $30,000 auto loan over 60 months.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Minimum loan of $15,000
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; Maximum Loan Amount: $150,000
As Low As; Maximum Loan Amount: $75,000. ***
As Low As;*
Rate based on creditworthiness and term of loan. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
As Low As; Modal Year: 2025 & newer
As Low As; Modal Year: 2020-2025
Model Year: 2019-2024; APR Range: 4.99 - 16.74%
Annual Percentage Rates shown are "as low as".
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As; depends on creditworthiness.
As Low As
As Low As; - Minimum of $1,000 loan
As Low As; Sample Monthly Payment for $20,000: $322.56; Minimum Loan Amount: $20,000
As Low As; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $18.92
Loan Amount: $2,500+
As Low As; Model Year: 2025 and newer
As Low As; Est. Monthly Payment $23.12
Up to 5 Years Old
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. Based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As
As Low As
As Low As; Starting at 5.24%
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Minimum loan of $25,000; vehicle must be current or previous model year.
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; Maximum Loan Amount: $150,000
As Low As; Maximum Loan Amount: $75,000. ***
APR up to 17.00%
Rate based on creditworthiness and term of loan. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
Maximum APR: 14.24%
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
over $12,000; Loan rate starting at..., based on credit score.; Loyalty Discounts Available
over $12,000; Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
As Low As;*
Loan Amount: $5,000+
As Low As; Minimum of $7,000 loan
As Low As; Est. Monthly Payment $16.29
Up to 5 Years Old (min. $20,000)
As Low As; Starting at 5.49%
As Low As; 125% NADA including tax, title, registration
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
As Low As
As Low As
As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; Maximum Loan Amount: $75,000. ***
Loan Amount: $2,500+
As Low As
As Low As
APR up to 18.00%
Model Year: 2026
As Low As; - Minimum of $7,000 loan
As Low As; Modal Year: 2025 & newer
As Low As; Modal Year: 2020-2025
Model Year: 2019-2024; APR Range: 5.49 - 17.49%
Up to $15,000 loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As
As Low As; Minimum of $15,000 loan
As Low As; Model Year: 2025 and newer
Model Year: 2018 and older; APR Range: 5.54 - 17.74%
As Low As; under 10,000 miles
Loan Amount: $15,000+
Model Year: 2026
As Low As
Up to 5 Years Old (min. $20,000)
As Low As
As Low As
As Low As
As Low As; New Vehicle^ (Never titled)
As Low As; Starting at 5.74%
As Low As; 105% NADA including tax, title, registration
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 115,000.
Maximum APR: 14.74%
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
As Low As; Est. Monthly Payment $19.22
As low as; Minimum of $15,000 loan
Model Year: 2018 and older; APR Range: 5.79 - 18.00%
As Low As; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
$15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $14.56
As Low As; Starting at 5.99%
As Low As; minimum loan $20,000
Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Virginia New Auto Auto Loan Rates
As Low As; Modal Year: 2025 & newer
As Low As; Model Year: 2025 and newer
As Low As
As Low As
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As
As Low As
As Low As
As Low As
As Low As*
APR up to 15.00%
As Low As; Minimum of $1,000 loan
As Low As; Modal Year: 2025 & newer
As Low As; Model Year: 2025 and newer
As Low As; Est. Monthly Payment $29.61
100% Financing
As Low As
As Low As
As Low As; Minimum loan of $5,000
As Low As; Maximum Loan Amount: $150,000
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As*
As Low As; Minimum loan of $5,000
As Low As; Maximum Loan Amount: $150,000
As Low As; Est. Monthly Payment $22.83
As Low As
As Low As
As Low As
As Low As
As Low As
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Minimum loan of $5,000
As Low As; Maximum Loan Amount: $150,000
Rate based on creditworthiness and term of loan. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
As Low As; Model Year: 2025 and newer
Maximum APR: 13.74%
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As*
As Low As; Minimum of $1,000 loan
As Low As
As Low As; Starting at 4.99%
PenAir Rate; $1,130 is the difference between the amount paid in interest between PenAir Credit Union's rate at 4.99% APR compared to 6.35% APR for the National market average over the life of a $30,000 auto loan over 60 months.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Minimum loan of $15,000
As Low As; Maximum Loan Amount: $150,000
Rate based on creditworthiness and term of loan. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
As Low As; Modal Year: 2025 & newer
Annual Percentage Rates shown are "as low as".
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $18.92
As Low As; Model Year: 2025 and newer
As Low As
As Low As
As Low As; Starting at 5.24%
As Low As; Minimum loan of $25,000; vehicle must be current or previous model year.
As Low As; Maximum Loan Amount: $150,000
APR up to 17.00%
Rate based on creditworthiness and term of loan. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
As Low As; Minimum of $7,000 loan
As Low As; Est. Monthly Payment $16.29
As Low As; Starting at 5.49%
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
As Low As
As Low As
As Low As
APR up to 18.00%
As Low As; Modal Year: 2025 & newer
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As
As Low As; Minimum of $15,000 loan
As Low As; Model Year: 2025 and newer
As Low As; under 10,000 miles
As Low As
As Low As
As Low As
As Low As
As Low As; New Vehicle^ (Never titled)
As Low As; Starting at 5.74%
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
Maximum APR: 14.74%
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
As Low As; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
$15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $14.56
As Low As; Starting at 5.99%
Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Virginia Used Auto Auto Loan Rates
As Low As; Modal Year: 2020-2025
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Model Year: 2019-2024; APR Range: 3.74 - 15.99%
As Low As; Modal Year: 2020-2025
As Low As; - Minimum of $1,000 loan
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As; Sample Monthly Payment for $20,000: $593.96; Minimum Loan Amount: No Minimum
As Low As; Maximum Loan Amount: $75,000. ***
Model Year: 2019-2024; APR Range: 4.49 - 16.24%
As Low As
Up to 5 Years Old
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; Maximum Loan Amount: $75,000. ***
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As; Est. Monthly Payment $29.72
over $12,000; Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As; Sample Monthly Payment for $20,000: $458.69; Minimum Loan Amount: $10,000
As Low As; Sample Monthly Payment for $20,000: $376.42; Minimum Loan Amount: $10,000
Up to 5 Years Old
As Low As
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; Maximum Loan Amount: $75,000. ***
As Low As;*
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
As Low As; Modal Year: 2020-2025
Model Year: 2019-2024; APR Range: 4.99 - 16.74%
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As
As Low As; - Minimum of $1,000 loan
As Low As; Sample Monthly Payment for $20,000: $322.56; Minimum Loan Amount: $20,000
Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $23.12
Up to 5 Years Old
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; Maximum Loan Amount: $75,000. ***
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
Maximum APR: 14.24%
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
over $12,000; Loan rate starting at..., based on credit score.; Loyalty Discounts Available
over $12,000; Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As;*
Up to 5 Years Old (min. $20,000)
As Low As; 125% NADA including tax, title, registration
As Low As
As Low As
As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; Maximum Loan Amount: $75,000. ***
As Low As
As Low As
As Low As; - Minimum of $7,000 loan
As Low As; Modal Year: 2020-2025
Model Year: 2019-2024; APR Range: 5.49 - 17.49%
Up to $15,000 loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Model Year: 2018 and older; APR Range: 5.54 - 17.74%
Up to 5 Years Old (min. $20,000)
As Low As; 105% NADA including tax, title, registration
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 115,000.
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
As Low As; Est. Monthly Payment $19.22
As low as; Minimum of $15,000 loan
Model Year: 2018 and older; APR Range: 5.79 - 18.00%
$15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; minimum loan $20,000
Virginia Auto Loan Rate Trends
Compare local Virginia 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.
Virginia new auto rates fell 0.015 points over the past 7 days to 5.147% APR.
Virginia used auto rates fell 0.053 points over the past 7 days to 6.167% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Virginia 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 Virginia 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 Virginia. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in VA.
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 Virginia
How does my credit score affect my car loan rate in Virginia?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Virginia?
- Central Virginia Federal Credit Union: 2.99% (New Auto)
- Park View Federal Credit Union: 3.24% (New Auto Loan)
- Richmond Heritage Federal Credit Union: 3.49% (New and Used Vehicles Loan)
- Credit Union of Richmond: 3.49% (New Auto Purchase (Never Titled))
- Virginia Beach Postal Federal Credit Union: 3.50% (NEW AUTOS - Model Years 2026 or newer)
Auto Loan Rates by City in Virginia
