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  9. Auto Loan Rate Trends

Alexandria, Virginia Best Auto Loan Rates - October 2026

Alexandria, Virginia auto loan rates range from 2.99% to 9.80% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Alexandria, Virginia include United States Senate Federal Credit UnionUnited States Senate Federal Credit Union1310 Braddock Pl, Alexandria, VA, 22314 1691A5.0 ★Texas Ratio: 13.71% offering New Auto Loan at 3.74%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA, 22306A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, State Department Federal Credit UnionState Department Federal Credit Union1630 King St, Alexandria, VA, 22314 2763A+5.0 ★Texas Ratio: 4.05% offering New Auto at 3.99%, SPECTRA Credit UnionSPECTRA Credit Union5440 Cherokee Ave Ste 200, Alexandria, VA, 22312A5.0 ★Texas Ratio: 12.16% offering New Vehicles Loan at 4.20%, Apple Federal Credit UnionApple Federal Credit Union7696F Richmond Hwy, Alexandria, VA, 22306A+5.0 ★Texas Ratio: 2.85% offering New Auto at 4.24%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Alexandria has 14 local institutions in our database, with auto loan rates as low as 3.74% APR from United States Senate Federal Credit Union at 1310 Braddock Pl, Alexandria, VA, 22314 1691. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Alexandria, Virginia. Auto Loan Rates Last Updated and Verified: October 13, 2026

Compare Auto Loan Rates Today in Alexandria, Virginia & Surrounding Area

Alexandria Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loan
3.74%
Up to 36 months
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 7, 2026
Details

As low as**; ***; Maximum Loan Amount: $150,000

Rate History
No change since Sep 15, 2026 · 3.74% APR · checked 7 times
3.24%3.74%4.24%Sep 15, 2026: 3.74% APRSep 15, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Auto Loan
3.89%
12-36 Months
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Vehicle Loan
3.89%
up to 36 months
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loan
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedOct 7, 2026
Details

As low as**; ***; Maximum Loan Amount: $150,000

Rate History
No change since Sep 15, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 15, 2026: 3.99% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $75,000

Rate History
No change since Sep 15, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 15, 2026: 3.99% APRSep 15, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Business Vehicle Loan
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
4.20%
36 months
▼
APR4.20%
Term36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 4.20% APR · checked 5 times
3.70%4.20%4.70%Sep 22, 2026: 4.20% APRSep 22, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loan
4.24%
Up to 60 months
▼
APR4.24%
TermUp to 60 months
Last UpdatedOct 7, 2026
Details

As low as**; ***; Maximum Loan Amount: $150,000

Rate History
No change since Sep 15, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 15, 2026: 4.24% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $75,000

Rate History
No change since Sep 15, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 15, 2026: 4.24% APRSep 15, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
New Auto
4.24%
up to 36 months
▼
APR4.24%
Termup to 36 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.24%
37 to 48 months
▼
APR4.24%
Term37 to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 5 times
3.74%4.24%4.74%Sep 16, 2026: 4.24% APRSep 16, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Auto Loan
4.29%
37-60 Months
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Vehicle Loan
4.29%
37-60 months
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loan
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedOct 7, 2026
Details

As low as**; ***; Maximum Loan Amount: $150,000

Rate History
No change since Sep 15, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 15, 2026: 4.49% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $75,000

Rate History
No change since Sep 15, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 15, 2026: 4.49% APRSep 15, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
New Auto
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.49%
49 to 60 months
▼
APR4.49%
Term49 to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
4.55%
48 months
▼
APR4.55%
Term48 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 4.55% APR · checked 5 times
4.05%4.55%5.05%Sep 22, 2026: 4.55% APRSep 22, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Auto Loan
4.59%
61-72 Months
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Vehicle Loan
4.59%
61-72 months
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
4.64%
Up to 36 months
▼
APR4.64%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value

Rate History
No change since Oct 12, 2026 · 4.64% APR
4.14%4.64%5.14%Oct 12, 2026: 4.64% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Vehicle Loans
4.64%
Up to 36 months
▼
APR4.64%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: No Minimum; Model Year: 2025 - 2027

Rate History
No change since Oct 12, 2026 · 4.64% APR
4.14%4.64%5.14%Oct 12, 2026: 4.64% APROct 12, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loan
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedOct 7, 2026
Details

As low as**; ***; Maximum Loan Amount: $150,000

Rate History
No change since Sep 15, 2026 · 4.74% APR · checked 7 times
4.24%4.74%5.24%Sep 15, 2026: 4.74% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $75,000

Rate History
No change since Sep 15, 2026 · 4.74% APR · checked 7 times
4.24%4.74%5.24%Sep 15, 2026: 4.74% APRSep 15, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
New Auto
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
Used Auto
4.74%
up to 36 months
▼
APR4.74%
Termup to 36 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.74%
37 to 48 months
▼
APR4.74%
Term37 to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing

Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles Loan
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 22, 2026: 4.75% APRSep 22, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Auto Loan
4.79%
12-36 Months
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Vehicle Loan
4.79%
up to 36 months
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
2415 Eisenhower Ave, Alexandria, VA, 22314
Auto Loan
4.94%
Up to 36 Months
▼
APR4.94%
TermUp to 36 Months
Last UpdatedOct 7, 2026
Details

Loan Amount: $5,000-$125,000

Rate History
1 change since Sep 15, 2026 · 4.69% → 4.94% ▲ 0.25 pts · high 4.94% / low 4.69%
4.19%4.82%5.44%Sep 15, 2026: 4.69% APROct 2, 2026: 4.94% APRSep 15, 2026Oct 13, 2026
  • Oct 2, 20264.94%▲ from 4.69%
  • Sep 15, 20264.69%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $75,000

Rate History
No change since Sep 15, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 15, 2026: 4.99% APRSep 15, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
New Auto
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $15,000

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
Used Auto
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.99%
61 to 72 months
▼
APR4.99%
Term61 to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.99% - 11.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing; Used vehicle

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
5.04%
37 - 48 months
▼
APR5.04%
Term37 - 48 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value

Rate History
No change since Oct 12, 2026 · 5.04% APR
4.54%5.04%5.54%Oct 12, 2026: 5.04% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Vehicle Loans
5.04%
Up to 48 months
▼
APR5.04%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $10,000; Model Year: 2025 - 2027

Rate History
No change since Oct 12, 2026 · 5.04% APR
4.54%5.04%5.54%Oct 12, 2026: 5.04% APROct 12, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; 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.

Rate History
No change since Sep 16, 2026 · 5.10% APR · checked 4 times
4.60%5.10%5.60%Sep 16, 2026: 5.10% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. 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.

Rate History
No change since Sep 16, 2026 · 5.10% APR · checked 4 times
4.60%5.10%5.60%Sep 16, 2026: 5.10% APRSep 16, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
5.10%
60 months
▼
APR5.10%
Term60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 5.10% APR · checked 5 times
4.60%5.10%5.60%Sep 22, 2026: 5.10% APRSep 22, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
5.14%
49 - 60 months
▼
APR5.14%
Term49 - 60 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $10,000 purchase price

Rate History
No change since Oct 12, 2026 · 5.14% APR
4.64%5.14%5.64%Oct 12, 2026: 5.14% APROct 12, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
5.14%
Up to 36 months
▼
APR5.14%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 5.14% APR
4.64%5.14%5.64%Oct 12, 2026: 5.14% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
5.14%
Up to 36 Months
▼
APR5.14%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: No Minimum; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 5.14% APR
4.64%5.14%5.64%Oct 12, 2026: 5.14% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Vehicle Loans
5.14%
Up to 60 months
▼
APR5.14%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $10,000; Model Year: 2025 - 2027

Rate History
No change since Oct 12, 2026 · 5.14% APR
4.64%5.14%5.64%Oct 12, 2026: 5.14% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Business Vehicle Loan
5.19%
Up to 36 months
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles Loan
5.20%
48 months
▼
APR5.20%
Term48 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 5.20% APR · checked 5 times
4.70%5.20%5.70%Sep 22, 2026: 5.20% APRSep 22, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
New Auto
5.24%
up to 84 months
▼
APR5.24%
Termup to 84 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $25,000; vehicle must be current or previous model year.

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
Used Auto
5.24%
up to 60 months
▼
APR5.24%
Termup to 60 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing - 72 months
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.24% - 9.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing

Rate History
No change since Oct 13, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 13, 2026: 5.25% APROct 13, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing; Used vehicle

Rate History
No change since Oct 13, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 13, 2026: 5.25% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Auto Loan
5.29%
37-60 Months
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Vehicle Loan
5.29%
37-60 months
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
5.30%
61 - 72 months
▼
APR5.30%
Term61 - 72 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $20,000 purchase price

Rate History
No change since Oct 12, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 12, 2026: 5.30% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Vehicle Loans
5.30%
Up to 72 months
▼
APR5.30%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $20,000; Model Year: 2025 - 2027

Rate History
No change since Oct 12, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 12, 2026: 5.30% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Auto Loan
5.39%
61-72 Months
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Vehicle Loan
5.39%
61-72 months
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
5.40%
72 months
▼
APR5.40%
Term72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 5.40% APR · checked 5 times
4.90%5.40%5.90%Sep 22, 2026: 5.40% APRSep 22, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
5511 Franconia Rd, Alexandria, VA, 22310
New car (dealer) Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
Used Auto
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $15,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing - 84 months
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.49% - 9.74%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; 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.; Model Year: 2019 - 2023

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Vehicle Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: Up to $15,000; Amount: Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; 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.; Model Year: 2013 - 2018

Rate History
No change since Oct 8, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Oct 8, 2026: 5.50% APROct 8, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing; Used vehicle

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
2415 Eisenhower Ave, Alexandria, VA, 22314
Auto Loan
5.54%
37-63 Months
▼
APR5.54%
Term37-63 Months
Last UpdatedOct 7, 2026
Details

Loan Amount: $10,000-$125,000

Rate History
1 change since Sep 15, 2026 · 5.29% → 5.54% ▲ 0.25 pts · high 5.54% / low 5.29%
4.79%5.42%6.04%Sep 15, 2026: 5.29% APROct 2, 2026: 5.54% APRSep 15, 2026Oct 13, 2026
  • Oct 2, 20265.54%▲ from 5.29%
  • Sep 15, 20265.29%first recorded
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
5.54%
37 - 48 months
▼
APR5.54%
Term37 - 48 months
Last UpdatedOct 12, 2026
Details

Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 5.54% APR
5.04%5.54%6.04%Oct 12, 2026: 5.54% APROct 12, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2018 models and older (20 years old max) Auto Loan
5.54%
Up to 36 months
▼
APR5.54%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR

Rate History
No change since Oct 12, 2026 · 5.54% APR
5.04%5.54%6.04%Oct 12, 2026: 5.54% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Older Auto Loan (2018 & Older)
5.54%
Up to 36 Months
▼
APR5.54%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: No Minimum; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 5.54% APR
5.04%5.54%6.04%Oct 12, 2026: 5.54% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
5.54%
Up to 48 Months
▼
APR5.54%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 5.54% APR
5.04%5.54%6.04%Oct 12, 2026: 5.54% APROct 12, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
5.64%
49 - 60 months
▼
APR5.64%
Term49 - 60 months
Last UpdatedOct 12, 2026
Details

Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $10,000; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 5.64% APR
5.14%5.64%6.14%Oct 12, 2026: 5.64% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
5.64%
Up to 60 Months
▼
APR5.64%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 5.64% APR
5.14%5.64%6.14%Oct 12, 2026: 5.64% APROct 12, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
5511 Franconia Rd, Alexandria, VA, 22310
Used car (dealer) Loan
5.69%
60 months
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
Used Auto
5.74%
up to 84 months
▼
APR5.74%
Termup to 84 months
Last UpdatedOct 7, 2026
Details

Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 150,000.

Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 6 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
New Auto
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
Used Automobile 100% Or Less Financing
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.74% - 12.24%. Amount Financed: 100% NADA Retail Value; Model Years: 2023, 2022, 2021, 2020; Fixed; Used Auto-100% NADA Retail Value plus taxes and tags; Rate based on evaluation of credit history; Apply Now

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 7 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing; Used vehicle

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles Loan
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 22, 2026: 5.75% APRSep 22, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Business Vehicle Loan
5.79%
37-60 months
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Business Vehicle Loan
5.79%
61-72 months
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; 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.

Rate History
No change since Sep 16, 2026 · 5.80% APR · checked 4 times
5.30%5.80%6.30%Sep 16, 2026: 5.80% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $35,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. 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.

Rate History
No change since Sep 16, 2026 · 5.80% APR · checked 4 times
5.30%5.80%6.30%Sep 16, 2026: 5.80% APRSep 16, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
5.80%
61 - 72 months
▼
APR5.80%
Term61 - 72 months
Last UpdatedOct 12, 2026
Details

Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $20,000; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 12, 2026: 5.80% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
5.80%
Up to 72 Months
▼
APR5.80%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $20,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 12, 2026: 5.80% APROct 12, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
5.90%
84 months
▼
APR5.90%
Term84 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 5.90% APR · checked 5 times
5.40%5.90%6.40%Sep 22, 2026: 5.90% APRSep 22, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Auto Loan
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Vehicle Loan
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 15, 2026: 5.99% APRSep 15, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing; Used vehicle

Rate History
No change since Oct 13, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 13, 2026: 6.00% APROct 13, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
Used Automobile 100% Or Less Financing
6.04%
72 months
▼
APR6.04%
Term72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 6.04% - 10.74%. Amount Financed: 100% NADA Retail Value; Model Years: 2023, 2022, 2021, 2020; Fixed; Used Auto-100% NADA Retail Value plus taxes and tags; Rate based on evaluation of credit history; Min. finance amt $30,000; Apply Now

Rate History
No change since Sep 14, 2026 · 6.04% APR · checked 7 times
5.54%6.04%6.54%Sep 14, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2018 models and older (20 years old max) Auto Loan
6.04%
37 - 48 months
▼
APR6.04%
Term37 - 48 months
Last UpdatedOct 12, 2026
Details

Model year 2018; Additional APR listed for this product: 6.54%. As Low As; Fixed APR

Rate History
No change since Oct 12, 2026 · 6.04% APR
5.54%6.04%6.54%Oct 12, 2026: 6.04% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Older Auto Loan (2018 & Older)
6.04%
Up to 48 Months
▼
APR6.04%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 6.04% APR
5.54%6.04%6.54%Oct 12, 2026: 6.04% APROct 12, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles Loan
6.05%
72 months
▼
APR6.05%
Term72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 6.05% APR · checked 5 times
5.55%6.05%6.55%Sep 22, 2026: 6.05% APRSep 22, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
106 N Washington St, Alexandria, VA, 22314
New car purchase Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
106 N Washington St, Alexandria, VA, 22314
New car rate Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.24%
Up to 48 months
▼
APR6.24%
TermUp to 48 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 6.24% APR · checked 7 times
5.74%6.24%6.74%Sep 15, 2026: 6.24% APRSep 15, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
6.25%
Up to 84 months
▼
APR6.25%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Approximate term in months

Rate History
No change since Oct 13, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 13, 2026: 6.25% APROct 13, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing

Rate History
No change since Oct 13, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 13, 2026: 6.25% APROct 13, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
106 N Washington St, Alexandria, VA, 22314
Used car purchase Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
106 N Washington St, Alexandria, VA, 22314
Used car rate Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Business Vehicle Loan
6.29%
37-60 months
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2018 models and older (20 years old max) Auto Loan
6.29%
49 - 60 months
▼
APR6.29%
Term49 - 60 months
Last UpdatedOct 12, 2026
Details

Model year 2018; As Low As; Fixed APR; Requires minimum $10,000 purchase price

Rate History
No change since Oct 12, 2026 · 6.29% APR
5.79%6.29%6.79%Oct 12, 2026: 6.29% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Older Auto Loan (2018 & Older)
6.29%
Up to 60 Months
▼
APR6.29%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 6.29% APR
5.79%6.29%6.79%Oct 12, 2026: 6.29% APROct 12, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
6.30%
73 - 84 months
▼
APR6.30%
Term73 - 84 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $35,000 purchase price

Rate History
No change since Oct 12, 2026 · 6.30% APR
5.80%6.30%6.80%Oct 12, 2026: 6.30% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Vehicle Loans
6.30%
Up to 84 months
▼
APR6.30%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $35,000; Model Year: 2025 - 2027

Rate History
No change since Oct 12, 2026 · 6.30% APR
5.80%6.30%6.80%Oct 12, 2026: 6.30% APROct 12, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
2415 Eisenhower Ave, Alexandria, VA, 22314
Auto Loan
6.39%
64-75 Months
▼
APR6.39%
Term64-75 Months
Last UpdatedOct 7, 2026
Details

Loan Amount: $15,000-$125,000

Rate History
1 change since Sep 15, 2026 · 6.14% → 6.39% ▲ 0.25 pts · high 6.39% / low 6.14%
5.64%6.27%6.89%Sep 15, 2026: 6.14% APROct 2, 2026: 6.39% APRSep 15, 2026Oct 13, 2026
  • Oct 2, 20266.39%▲ from 6.14%
  • Sep 15, 20266.14%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Auto Loan
6.40%
78 Months
▼
APR6.40%
Term78 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $35,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; 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.; Model Year: 2019 - 2023

Rate History
No change since Sep 16, 2026 · 6.40% APR · checked 5 times
5.90%6.40%6.90%Sep 16, 2026: 6.40% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Vehicle Loan
6.40%
78 Months
▼
APR6.40%
Term78 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $35,000; Amount: Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; 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.; Model Year: 2013 - 2018

Rate History
No change since Oct 8, 2026 · 6.40% APR · checked 2 times
5.90%6.40%6.90%Oct 8, 2026: 6.40% APROct 8, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
6.40%
96 months
▼
APR6.40%
Term96 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 6.40% APR · checked 5 times
5.90%6.40%6.90%Sep 22, 2026: 6.40% APRSep 22, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.49%
Up to 60 months
▼
APR6.49%
TermUp to 60 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 15, 2026: 6.49% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
6.49%
Up to 36 months
▼
APR6.49%
TermUp to 36 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 15, 2026: 6.49% APRSep 15, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Older Auto Loan (2018 & Older)
6.54%
Up to 72 Months
▼
APR6.54%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $20,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 6.54% APR
6.04%6.54%7.04%Oct 12, 2026: 6.54% APROct 12, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.74%
Up to 72 months
▼
APR6.74%
TermUp to 72 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 6.74% APR · checked 7 times
6.24%6.74%7.24%Sep 15, 2026: 6.74% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
6.74%
Up to 48 months
▼
APR6.74%
TermUp to 48 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 6.74% APR · checked 7 times
6.24%6.74%7.24%Sep 15, 2026: 6.74% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.75%
120 months
▼
APR6.75%
Term120 months
Last UpdatedOct 7, 2026
Details

If eligible for all possible discounts

Rate History
1 change since Sep 15, 2026 · 7.49% → 6.75% ▼ 0.74 pts · high 7.49% / low 6.75%
6.01%7.12%8.23%Sep 15, 2026: 7.49% APROct 7, 2026: 6.75% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.75%▼ from 7.49%
  • Sep 15, 20267.49%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.75%
36 months
▼
APR6.75%
Term36 months
Last UpdatedOct 7, 2026
Details

If eligible for all possible discounts

Rate History
1 change since Sep 15, 2026 · 5.99% → 6.75% ▲ 0.76 pts · high 6.75% / low 5.99%
5.23%6.37%7.51%Sep 15, 2026: 5.99% APROct 7, 2026: 6.75% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.75%▲ from 5.99%
  • Sep 15, 20265.99%first recorded
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing; Used vehicle

Rate History
No change since Oct 13, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 13, 2026: 6.75% APROct 13, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
6.80%
73 - 84 months
▼
APR6.80%
Term73 - 84 months
Last UpdatedOct 12, 2026
Details

Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $35,000; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 6.80% APR
6.30%6.80%7.30%Oct 12, 2026: 6.80% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
6.80%
Up to 84 Months
▼
APR6.80%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $35,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 6.80% APR
6.30%6.80%7.30%Oct 12, 2026: 6.80% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Auto Loan
6.98%
73-84 Months
▼
APR6.98%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Vehicle Loan
6.98%
73-84 months
▼
APR6.98%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.99%
Up to 84 months
▼
APR6.99%
TermUp to 84 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 15, 2026: 6.99% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 15, 2026: 6.99% APRSep 15, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
6.99%
49 months
▼
APR6.99%
Term49 months
Last UpdatedOct 12, 2026
Details

Term: 49 months to 60 months; As low as

Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $35,000+; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; 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.

Rate History
No change since Sep 16, 2026 · 7.05% APR · checked 4 times
6.55%7.05%7.55%Sep 16, 2026: 7.05% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $35,000+; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. 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.

Rate History
No change since Sep 16, 2026 · 7.05% APR · checked 4 times
6.55%7.05%7.55%Sep 16, 2026: 7.05% APRSep 16, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
7.19%
61 months
▼
APR7.19%
Term61 months
Last UpdatedOct 12, 2026
Details

Term: 61 months to 66 months; As low as

Rate History
No change since Sep 16, 2026 · 7.19% APR · checked 5 times
6.69%7.19%7.69%Sep 16, 2026: 7.19% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
7.24%
Up to 96 months
▼
APR7.24%
TermUp to 96 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 7.24% APR · checked 7 times
6.74%7.24%7.74%Sep 15, 2026: 7.24% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
7.24%
Up to 72 months
▼
APR7.24%
TermUp to 72 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 7.24% APR · checked 7 times
6.74%7.24%7.74%Sep 15, 2026: 7.24% APRSep 15, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
2415 Eisenhower Ave, Alexandria, VA, 22314
Auto Loan
7.24%
76-84 Months
▼
APR7.24%
Term76-84 Months
Last UpdatedOct 7, 2026
Details

Loan Amount: $20,000-$125,000

Rate History
1 change since Sep 15, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99%
6.49%7.12%7.74%Sep 15, 2026: 6.99% APROct 2, 2026: 7.24% APRSep 15, 2026Oct 13, 2026
  • Oct 2, 20267.24%▲ from 6.99%
  • Sep 15, 20266.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Auto Loan
7.39%
85-96 Months
▼
APR7.39%
Term85-96 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Vehicle Loan
7.39%
85-96 months
▼
APR7.39%
Term85-96 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Oct 1, 2026 · 7.39% APR · checked 2 times
6.89%7.39%7.89%Oct 1, 2026: 7.39% APROct 1, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Business Vehicle Loan
7.39%
61-72 months
▼
APR7.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Auto Loan
7.40%
84 Months
▼
APR7.40%
Term84 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $35,000+; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; 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.; Model Year: 2019 - 2023

Rate History
No change since Sep 16, 2026 · 7.40% APR · checked 5 times
6.90%7.40%7.90%Sep 16, 2026: 7.40% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Vehicle Loan
7.40%
84 Months
▼
APR7.40%
Term84 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $35,000+; Amount: Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; 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.; Model Year: 2013 - 2018

Rate History
No change since Oct 8, 2026 · 7.40% APR · checked 2 times
6.90%7.40%7.90%Oct 8, 2026: 7.40% APROct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Other Eligible Vehicles Loan
7.45%
up to 36 months
▼
APR7.45%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.45% APR · checked 4 times
6.95%7.45%7.95%Sep 30, 2026: 7.45% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Other Eligible Vehicles Loan
7.45%
37-60 months
▼
APR7.45%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.45% APR · checked 4 times
6.95%7.45%7.95%Sep 30, 2026: 7.45% APRSep 30, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
7.49%
Up to 120 months
▼
APR7.49%
TermUp to 120 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 15, 2026: 7.49% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
7.49%
Up to 84 months
▼
APR7.49%
TermUp to 84 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 15, 2026: 7.49% APRSep 15, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
7.49%
67 months
▼
APR7.49%
Term67 months
Last UpdatedOct 12, 2026
Details

Term: 67 months to 72 months; As low as

Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 16, 2026: 7.49% APRSep 16, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedOct 13, 2026
Details

As Low As; 100% financing; Used vehicle

Rate History
No change since Oct 13, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 13, 2026: 7.50% APROct 13, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
7.74%
Up to 96 months
▼
APR7.74%
TermUp to 96 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 7.74% APR · checked 7 times
7.24%7.74%8.24%Sep 15, 2026: 7.74% APRSep 15, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
7.74%
73 months
▼
APR7.74%
Term73 months
Last UpdatedOct 12, 2026
Details

Term: 73 months to 78 months; As low as

Rate History
No change since Sep 16, 2026 · 7.74% APR · checked 5 times
7.24%7.74%8.24%Sep 16, 2026: 7.74% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
7.99%
Up to 120 months
▼
APR7.99%
TermUp to 120 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 15, 2026: 7.99% APRSep 15, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2018 models and older (20 years old max) Auto Loan
8.00%
73 - 84 months
▼
APR8.00%
Term73 - 84 months
Last UpdatedOct 12, 2026
Details

Model year 2018; As Low As; Fixed APR; Requires minimum $35,000 purchase price

Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Older Auto Loan (2018 & Older)
8.00%
Up to 84 Months
▼
APR8.00%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $35,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
8.49%
Up to 180 months
▼
APR8.49%
TermUp to 180 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 8.49% APR · checked 7 times
7.99%8.49%8.99%Sep 15, 2026: 8.49% APRSep 15, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
8.49%
79 months
▼
APR8.49%
Term79 months
Last UpdatedOct 12, 2026
Details

Term: 79 months to 84 months; As low as

Rate History
No change since Sep 16, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 16, 2026: 8.49% APRSep 16, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
8.84%
85 - 96 months
▼
APR8.84%
Term85 - 96 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $50,000 purchase price

Rate History
No change since Oct 12, 2026 · 8.84% APR
8.34%8.84%9.34%Oct 12, 2026: 8.84% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Vehicle Loans
8.84%
Up to 96 months
▼
APR8.84%
TermUp to 96 months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $50,000; Model Year: 2025 - 2027

Rate History
No change since Oct 12, 2026 · 8.84% APR
8.34%8.84%9.34%Oct 12, 2026: 8.84% APROct 12, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
8.99%
Up to 180 months
▼
APR8.99%
TermUp to 180 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 8.99% APR · checked 7 times
8.49%8.99%9.49%Sep 15, 2026: 8.99% APRSep 15, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
9.34%
85 - 96 months
▼
APR9.34%
Term85 - 96 months
Last UpdatedOct 12, 2026
Details

Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $50,000; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 9.34% APR
8.84%9.34%9.84%Oct 12, 2026: 9.34% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
9.34%
Up to 96 Months
▼
APR9.34%
TermUp to 96 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $50,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 9.34% APR
8.84%9.34%9.84%Oct 12, 2026: 9.34% APROct 12, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
9.49%
Up to 240 months
▼
APR9.49%
TermUp to 240 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 9.49% APR · checked 7 times
8.99%9.49%9.99%Sep 15, 2026: 9.49% APRSep 15, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Other Eligible Vehicles Loan
9.80%
61-72 months
▼
APR9.80%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Other Eligible Vehicles Loan
9.80%
73-84 months
▼
APR9.80%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Other Eligible Vehicles Loan
9.80%
85-180 months
▼
APR9.80%
Term85-180 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
New Auto Loan
2.99%
48 MONTHS
▼
APR2.99%
Term48 MONTHS
Last UpdatedOct 12, 2026
Details

Published APR range: 2.99% - 18%.

Rate History
No change since Sep 16, 2026 · 2.99% APR · checked 5 times
2.49%2.99%3.49%Sep 16, 2026: 2.99% APRSep 16, 2026Oct 13, 2026
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Auto Loan
3.24%
0-36 months
▼
APR3.24%
Term0-36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.24 - 13.99%. Model Year: 2025 and newer; As Low As; Rates as of 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.24% APR · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APRSep 14, 2026Oct 13, 2026
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New Auto Purchase (Never Titled) - 0-48 Months
3.49%
0-48 months
▼
APR3.49%
Term0-48 months
Last UpdatedOct 13, 2026
Details

Rate/APR as low as; Auto rates effective 02/24/2025

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Auto Loan - 2026+ New & Used
3.50%
36-60 Months
▼
APR3.50%
Term36-60 Months
Last UpdatedOct 13, 2026
Details

Amount Financed: 100% NADA Retail/MSRP; APR range: 3.50-9.25%

Rate History
No change since Oct 13, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 13, 2026: 3.50% APROct 13, 2026Oct 13, 2026
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New and Used Vehicles Loan
3.74%
up to 60 months
▼
APR3.74%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.74% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.

Rate History
No change since Sep 25, 2026 · 3.74% APR · checked 4 times
3.24%3.74%4.24%Sep 25, 2026: 3.74% APRSep 25, 2026Oct 13, 2026
TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicles Loan
3.74%
Up to 60 Months
▼
APR3.74%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 3.74% APR · checked 5 times
3.24%3.74%4.24%Sep 16, 2026: 3.74% APRSep 16, 2026Oct 13, 2026
TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
TrueCar New Vehicle Rate Loan
3.74%
Up to 60 Months
▼
APR3.74%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 3.74% APR · checked 5 times
3.24%3.74%4.24%Sep 16, 2026: 3.74% APRSep 16, 2026Oct 13, 2026
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Auto Loan
3.74%
0-36 months
▼
APR3.74%
Term0-36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.74 - 15.99%. As Low As; Model Year: 2019-2024

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 7 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 13, 2026
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New Auto Purchase (Never Titled) - 49-60 Months
3.74%
49-60 months
▼
APR3.74%
Term49-60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto rates effective 02/24/2025

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
New Auto ('26 or Newer)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedOct 12, 2026
Details

As Low As; Amount: up to 120%

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Used Auto (2017-2025)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedOct 12, 2026
Details

As Low As; Amount: up to 120%

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 13, 2026
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
Vehicle Loan
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price

Rate History
No change since Oct 12, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 12, 2026: 3.99% APROct 12, 2026Oct 13, 2026
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
Vehicle Loan
3.99%
Up to 60 months
▼
APR3.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price

Rate History
No change since Oct 12, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 12, 2026: 3.99% APROct 12, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
New Car Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Minimum of $1,000 loan

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Car Loans: 2022 - Newer Model Years
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Car Loans: 2022 - Newer Model Years
3.99%
37 - 48 Months
▼
APR3.99%
Term37 - 48 Months
Last UpdatedOct 13, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Car Loans: 2022 - Newer Model Years
3.99%
49 - 60 Months
▼
APR3.99%
Term49 - 60 Months
Last UpdatedOct 13, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Auto Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99 - 14.49%. Model Year: 2025 and newer; As Low As; Rates as of 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles/Motorcycles Auto Loan
3.99%
0 - 36 Months
▼
APR3.99%
Term0 - 36 Months
Last UpdatedOct 13, 2026
Details

Min APR 3.99%; Max APR: 12.49%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New/Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 15.00%; Rates effective: January 29, 2026

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New/Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
49 - 60 months
▼
APR3.99%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 16.00%; Rates effective: January 29, 2026

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Vehicles 2025 and Older Loan
3.99%
36-60 months
▼
APR3.99%
Term36-60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Vehicle Loan (2026 Vehicles)
3.99%
36-60 months
▼
APR3.99%
Term36-60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New and Used Vehicles Loan
4.00%
72 months
▼
APR4.00%
Term72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.00% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.

Rate History
No change since Sep 25, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APRSep 25, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.94%
New Auto Loans
4.20%
Up to 36 months
▼
APR4.20%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

Percent of Financing: 100%; Maximum Amount: $100,000; Includes taxes, tags & extended warranties

Rate History
No change since Sep 14, 2026 · 4.20% APR · checked 9 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APRSep 14, 2026Oct 13, 2026
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New/Used Vehicle Loan
4.20%
12 - 96 months
▼
APR4.20%
Term12 - 96 months
Last UpdatedOct 13, 2026
Details

APR range: 4.20% - 14.75%

Rate History
No change since Oct 1, 2026 · 4.20% APR · checked 4 times
3.70%4.20%4.70%Oct 1, 2026: 4.20% APROct 1, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
Used Car Loan
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Minimum of $1,000 loan

Rate History
No change since Sep 12, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 12, 2026: 4.24% APRSep 12, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
Vehicle Loans - Used Car
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Used Car APR; Minimum of $1,000 loan

Rate History
No change since Oct 12, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 12, 2026: 4.24% APROct 12, 2026Oct 13, 2026
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New Autos - 36 Months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 13, 2026
Details

Daily Periodic Rate: .0116

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 9 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026

Alexandria New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loan
3.74%
Up to 36 months
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 7, 2026
Details

As low as**; ***; Maximum Loan Amount: $150,000

Rate History
No change since Sep 15, 2026 · 3.74% APR · checked 7 times
3.24%3.74%4.24%Sep 15, 2026: 3.74% APRSep 15, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Auto Loan
3.89%
12-36 Months
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Vehicle Loan
3.89%
up to 36 months
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loan
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedOct 7, 2026
Details

As low as**; ***; Maximum Loan Amount: $150,000

Rate History
No change since Sep 15, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 15, 2026: 3.99% APRSep 15, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Business Vehicle Loan
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
4.20%
36 months
▼
APR4.20%
Term36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 4.20% APR · checked 5 times
3.70%4.20%4.70%Sep 22, 2026: 4.20% APRSep 22, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loan
4.24%
Up to 60 months
▼
APR4.24%
TermUp to 60 months
Last UpdatedOct 7, 2026
Details

As low as**; ***; Maximum Loan Amount: $150,000

Rate History
No change since Sep 15, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 15, 2026: 4.24% APRSep 15, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
New Auto
4.24%
up to 36 months
▼
APR4.24%
Termup to 36 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.24%
37 to 48 months
▼
APR4.24%
Term37 to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 5 times
3.74%4.24%4.74%Sep 16, 2026: 4.24% APRSep 16, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Auto Loan
4.29%
37-60 Months
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Vehicle Loan
4.29%
37-60 months
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loan
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedOct 7, 2026
Details

As low as**; ***; Maximum Loan Amount: $150,000

Rate History
No change since Sep 15, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 15, 2026: 4.49% APRSep 15, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
New Auto
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.49%
49 to 60 months
▼
APR4.49%
Term49 to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
4.55%
48 months
▼
APR4.55%
Term48 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 4.55% APR · checked 5 times
4.05%4.55%5.05%Sep 22, 2026: 4.55% APRSep 22, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Auto Loan
4.59%
61-72 Months
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Vehicle Loan
4.59%
61-72 months
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
4.64%
Up to 36 months
▼
APR4.64%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value

Rate History
No change since Oct 12, 2026 · 4.64% APR
4.14%4.64%5.14%Oct 12, 2026: 4.64% APROct 12, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loan
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedOct 7, 2026
Details

As low as**; ***; Maximum Loan Amount: $150,000

Rate History
No change since Sep 15, 2026 · 4.74% APR · checked 7 times
4.24%4.74%5.24%Sep 15, 2026: 4.74% APRSep 15, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
New Auto
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
New Auto
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $15,000

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.99%
61 to 72 months
▼
APR4.99%
Term61 to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.99% - 11.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
5.04%
37 - 48 months
▼
APR5.04%
Term37 - 48 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value

Rate History
No change since Oct 12, 2026 · 5.04% APR
4.54%5.04%5.54%Oct 12, 2026: 5.04% APROct 12, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; 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.

Rate History
No change since Sep 16, 2026 · 5.10% APR · checked 4 times
4.60%5.10%5.60%Sep 16, 2026: 5.10% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. 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.

Rate History
No change since Sep 16, 2026 · 5.10% APR · checked 4 times
4.60%5.10%5.60%Sep 16, 2026: 5.10% APRSep 16, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
5.10%
60 months
▼
APR5.10%
Term60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 5.10% APR · checked 5 times
4.60%5.10%5.60%Sep 22, 2026: 5.10% APRSep 22, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
5.14%
49 - 60 months
▼
APR5.14%
Term49 - 60 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $10,000 purchase price

Rate History
No change since Oct 12, 2026 · 5.14% APR
4.64%5.14%5.64%Oct 12, 2026: 5.14% APROct 12, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
New Auto
5.24%
up to 84 months
▼
APR5.24%
Termup to 84 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $25,000; vehicle must be current or previous model year.

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing - 72 months
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.24% - 9.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
5.30%
61 - 72 months
▼
APR5.30%
Term61 - 72 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $20,000 purchase price

Rate History
No change since Oct 12, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 12, 2026: 5.30% APROct 12, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
5.40%
72 months
▼
APR5.40%
Term72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 5.40% APR · checked 5 times
4.90%5.40%5.90%Sep 22, 2026: 5.40% APRSep 22, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
5511 Franconia Rd, Alexandria, VA, 22310
New car (dealer) Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing - 84 months
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.49% - 9.74%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
New Auto
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Business Vehicle Loan
5.79%
37-60 months
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Business Vehicle Loan
5.79%
61-72 months
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; 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.

Rate History
No change since Sep 16, 2026 · 5.80% APR · checked 4 times
5.30%5.80%6.30%Sep 16, 2026: 5.80% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $35,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. 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.

Rate History
No change since Sep 16, 2026 · 5.80% APR · checked 4 times
5.30%5.80%6.30%Sep 16, 2026: 5.80% APRSep 16, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
5.90%
84 months
▼
APR5.90%
Term84 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 5.90% APR · checked 5 times
5.40%5.90%6.40%Sep 22, 2026: 5.90% APRSep 22, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Auto Loan
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Vehicle Loan
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 15, 2026: 5.99% APRSep 15, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
106 N Washington St, Alexandria, VA, 22314
New car purchase Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
106 N Washington St, Alexandria, VA, 22314
New car rate Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.24%
Up to 48 months
▼
APR6.24%
TermUp to 48 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 6.24% APR · checked 7 times
5.74%6.24%6.74%Sep 15, 2026: 6.24% APRSep 15, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
6.30%
73 - 84 months
▼
APR6.30%
Term73 - 84 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $35,000 purchase price

Rate History
No change since Oct 12, 2026 · 6.30% APR
5.80%6.30%6.80%Oct 12, 2026: 6.30% APROct 12, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
6.40%
96 months
▼
APR6.40%
Term96 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 6.40% APR · checked 5 times
5.90%6.40%6.90%Sep 22, 2026: 6.40% APRSep 22, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.49%
Up to 60 months
▼
APR6.49%
TermUp to 60 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 15, 2026: 6.49% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.74%
Up to 72 months
▼
APR6.74%
TermUp to 72 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 6.74% APR · checked 7 times
6.24%6.74%7.24%Sep 15, 2026: 6.74% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.75%
120 months
▼
APR6.75%
Term120 months
Last UpdatedOct 7, 2026
Details

If eligible for all possible discounts

Rate History
1 change since Sep 15, 2026 · 7.49% → 6.75% ▼ 0.74 pts · high 7.49% / low 6.75%
6.01%7.12%8.23%Sep 15, 2026: 7.49% APROct 7, 2026: 6.75% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.75%▼ from 7.49%
  • Sep 15, 20267.49%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.75%
36 months
▼
APR6.75%
Term36 months
Last UpdatedOct 7, 2026
Details

If eligible for all possible discounts

Rate History
1 change since Sep 15, 2026 · 5.99% → 6.75% ▲ 0.76 pts · high 6.75% / low 5.99%
5.23%6.37%7.51%Sep 15, 2026: 5.99% APROct 7, 2026: 6.75% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.75%▲ from 5.99%
  • Sep 15, 20265.99%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
6.99%
Up to 84 months
▼
APR6.99%
TermUp to 84 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 15, 2026: 6.99% APRSep 15, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
6.99%
49 months
▼
APR6.99%
Term49 months
Last UpdatedOct 12, 2026
Details

Term: 49 months to 60 months; As low as

Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $35,000+; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; 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.

Rate History
No change since Sep 16, 2026 · 7.05% APR · checked 4 times
6.55%7.05%7.55%Sep 16, 2026: 7.05% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $35,000+; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. 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.

Rate History
No change since Sep 16, 2026 · 7.05% APR · checked 4 times
6.55%7.05%7.55%Sep 16, 2026: 7.05% APRSep 16, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
7.19%
61 months
▼
APR7.19%
Term61 months
Last UpdatedOct 12, 2026
Details

Term: 61 months to 66 months; As low as

Rate History
No change since Sep 16, 2026 · 7.19% APR · checked 5 times
6.69%7.19%7.69%Sep 16, 2026: 7.19% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
7.24%
Up to 96 months
▼
APR7.24%
TermUp to 96 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 7.24% APR · checked 7 times
6.74%7.24%7.74%Sep 15, 2026: 7.24% APRSep 15, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Auto Loan
7.39%
85-96 Months
▼
APR7.39%
Term85-96 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
New Vehicle Loan
7.39%
85-96 months
▼
APR7.39%
Term85-96 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Oct 1, 2026 · 7.39% APR · checked 2 times
6.89%7.39%7.89%Oct 1, 2026: 7.39% APROct 1, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
7.49%
Up to 120 months
▼
APR7.49%
TermUp to 120 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 15, 2026: 7.49% APRSep 15, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
7.49%
67 months
▼
APR7.49%
Term67 months
Last UpdatedOct 12, 2026
Details

Term: 67 months to 72 months; As low as

Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 16, 2026: 7.49% APRSep 16, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
7.74%
73 months
▼
APR7.74%
Term73 months
Last UpdatedOct 12, 2026
Details

Term: 73 months to 78 months; As low as

Rate History
No change since Sep 16, 2026 · 7.74% APR · checked 5 times
7.24%7.74%8.24%Sep 16, 2026: 7.74% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
8.49%
Up to 180 months
▼
APR8.49%
TermUp to 180 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 8.49% APR · checked 7 times
7.99%8.49%8.99%Sep 15, 2026: 8.49% APRSep 15, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
8.49%
79 months
▼
APR8.49%
Term79 months
Last UpdatedOct 12, 2026
Details

Term: 79 months to 84 months; As low as

Rate History
No change since Sep 16, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 16, 2026: 8.49% APRSep 16, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Auto Loan
8.84%
85 - 96 months
▼
APR8.84%
Term85 - 96 months
Last UpdatedOct 12, 2026
Details

As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $50,000 purchase price

Rate History
No change since Oct 12, 2026 · 8.84% APR
8.34%8.84%9.34%Oct 12, 2026: 8.84% APROct 12, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Leisure Vehicle Loan
9.49%
Up to 240 months
▼
APR9.49%
TermUp to 240 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Maximum Loan Amount: $300,000

Rate History
No change since Sep 15, 2026 · 9.49% APR · checked 7 times
8.99%9.49%9.99%Sep 15, 2026: 9.49% APRSep 15, 2026Oct 13, 2026
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
New Auto Loan
2.99%
48 MONTHS
▼
APR2.99%
Term48 MONTHS
Last UpdatedOct 12, 2026
Details

Published APR range: 2.99% - 18%.

Rate History
No change since Sep 16, 2026 · 2.99% APR · checked 5 times
2.49%2.99%3.49%Sep 16, 2026: 2.99% APRSep 16, 2026Oct 13, 2026
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Auto Loan
3.24%
0-36 months
▼
APR3.24%
Term0-36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.24 - 13.99%. Model Year: 2025 and newer; As Low As; Rates as of 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.24% APR · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APRSep 14, 2026Oct 13, 2026
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New Auto Purchase (Never Titled) - 0-48 Months
3.49%
0-48 months
▼
APR3.49%
Term0-48 months
Last UpdatedOct 13, 2026
Details

Rate/APR as low as; Auto rates effective 02/24/2025

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Auto Loan - 2026+ New & Used
3.50%
36-60 Months
▼
APR3.50%
Term36-60 Months
Last UpdatedOct 13, 2026
Details

Amount Financed: 100% NADA Retail/MSRP; APR range: 3.50-9.25%

Rate History
No change since Oct 13, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 13, 2026: 3.50% APROct 13, 2026Oct 13, 2026
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New and Used Vehicles Loan
3.74%
up to 60 months
▼
APR3.74%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.74% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.

Rate History
No change since Sep 25, 2026 · 3.74% APR · checked 4 times
3.24%3.74%4.24%Sep 25, 2026: 3.74% APRSep 25, 2026Oct 13, 2026
TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicles Loan
3.74%
Up to 60 Months
▼
APR3.74%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 3.74% APR · checked 5 times
3.24%3.74%4.24%Sep 16, 2026: 3.74% APRSep 16, 2026Oct 13, 2026
TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
TrueCar New Vehicle Rate Loan
3.74%
Up to 60 Months
▼
APR3.74%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 3.74% APR · checked 5 times
3.24%3.74%4.24%Sep 16, 2026: 3.74% APRSep 16, 2026Oct 13, 2026
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New Auto Purchase (Never Titled) - 49-60 Months
3.74%
49-60 months
▼
APR3.74%
Term49-60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto rates effective 02/24/2025

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
New Auto ('26 or Newer)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedOct 12, 2026
Details

As Low As; Amount: up to 120%

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
New Car Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Minimum of $1,000 loan

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Car Loans: 2022 - Newer Model Years
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Car Loans: 2022 - Newer Model Years
3.99%
37 - 48 Months
▼
APR3.99%
Term37 - 48 Months
Last UpdatedOct 13, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Car Loans: 2022 - Newer Model Years
3.99%
49 - 60 Months
▼
APR3.99%
Term49 - 60 Months
Last UpdatedOct 13, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Auto Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99 - 14.49%. Model Year: 2025 and newer; As Low As; Rates as of 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles/Motorcycles Auto Loan
3.99%
0 - 36 Months
▼
APR3.99%
Term0 - 36 Months
Last UpdatedOct 13, 2026
Details

Min APR 3.99%; Max APR: 12.49%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New/Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 15.00%; Rates effective: January 29, 2026

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New/Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
49 - 60 months
▼
APR3.99%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 16.00%; Rates effective: January 29, 2026

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New and Used Vehicles Loan
4.00%
72 months
▼
APR4.00%
Term72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.00% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.

Rate History
No change since Sep 25, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APRSep 25, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.94%
New Auto Loans
4.20%
Up to 36 months
▼
APR4.20%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

Percent of Financing: 100%; Maximum Amount: $100,000; Includes taxes, tags & extended warranties

Rate History
No change since Sep 14, 2026 · 4.20% APR · checked 9 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APRSep 14, 2026Oct 13, 2026
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New/Used Vehicle Loan
4.20%
12 - 96 months
▼
APR4.20%
Term12 - 96 months
Last UpdatedOct 13, 2026
Details

APR range: 4.20% - 14.75%

Rate History
No change since Oct 1, 2026 · 4.20% APR · checked 4 times
3.70%4.20%4.70%Oct 1, 2026: 4.20% APROct 1, 2026Oct 13, 2026
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New Autos - 36 Months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 13, 2026
Details

Daily Periodic Rate: .0116

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 9 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026

Alexandria Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $75,000

Rate History
No change since Sep 15, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 15, 2026: 3.99% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $75,000

Rate History
No change since Sep 15, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 15, 2026: 4.24% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $75,000

Rate History
No change since Sep 15, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 15, 2026: 4.49% APRSep 15, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $75,000

Rate History
No change since Sep 15, 2026 · 4.74% APR · checked 7 times
4.24%4.74%5.24%Sep 15, 2026: 4.74% APRSep 15, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
Used Auto
4.74%
up to 36 months
▼
APR4.74%
Termup to 36 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.74%
37 to 48 months
▼
APR4.74%
Term37 to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles Loan
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 22, 2026: 4.75% APRSep 22, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Auto Loan
4.79%
12-36 Months
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Vehicle Loan
4.79%
up to 36 months
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $75,000

Rate History
No change since Sep 15, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 15, 2026: 4.99% APRSep 15, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
Used Auto
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.99% - 11.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. 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.

Rate History
No change since Sep 16, 2026 · 5.10% APR · checked 4 times
4.60%5.10%5.60%Sep 16, 2026: 5.10% APRSep 16, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
5.14%
Up to 36 months
▼
APR5.14%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 5.14% APR
4.64%5.14%5.64%Oct 12, 2026: 5.14% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
5.14%
Up to 36 Months
▼
APR5.14%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: No Minimum; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 5.14% APR
4.64%5.14%5.64%Oct 12, 2026: 5.14% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Business Vehicle Loan
5.19%
Up to 36 months
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles Loan
5.20%
48 months
▼
APR5.20%
Term48 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 5.20% APR · checked 5 times
4.70%5.20%5.70%Sep 22, 2026: 5.20% APRSep 22, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
Used Auto
5.24%
up to 60 months
▼
APR5.24%
Termup to 60 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing - 72 months
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.24% - 9.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Auto Loan
5.29%
37-60 Months
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Vehicle Loan
5.29%
37-60 months
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Auto Loan
5.39%
61-72 Months
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Vehicle Loan
5.39%
61-72 months
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
Used Auto
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedOct 7, 2026
Details

Minimum loan of $15,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing - 84 months
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.49% - 9.74%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; 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.; Model Year: 2019 - 2023

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
5.54%
37 - 48 months
▼
APR5.54%
Term37 - 48 months
Last UpdatedOct 12, 2026
Details

Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 5.54% APR
5.04%5.54%6.04%Oct 12, 2026: 5.54% APROct 12, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2018 models and older (20 years old max) Auto Loan
5.54%
Up to 36 months
▼
APR5.54%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR

Rate History
No change since Oct 12, 2026 · 5.54% APR
5.04%5.54%6.04%Oct 12, 2026: 5.54% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
5.54%
Up to 48 Months
▼
APR5.54%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 5.54% APR
5.04%5.54%6.04%Oct 12, 2026: 5.54% APROct 12, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
5.64%
49 - 60 months
▼
APR5.64%
Term49 - 60 months
Last UpdatedOct 12, 2026
Details

Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $10,000; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 5.64% APR
5.14%5.64%6.14%Oct 12, 2026: 5.64% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
5.64%
Up to 60 Months
▼
APR5.64%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 5.64% APR
5.14%5.64%6.14%Oct 12, 2026: 5.64% APROct 12, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
5511 Franconia Rd, Alexandria, VA, 22310
Used car (dealer) Loan
5.69%
60 months
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
7696F Richmond Hwy, Alexandria, VA, 22306
Used Auto
5.74%
up to 84 months
▼
APR5.74%
Termup to 84 months
Last UpdatedOct 7, 2026
Details

Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 150,000.

Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 6 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount

Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
Used Automobile 100% Or Less Financing
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.74% - 12.24%. Amount Financed: 100% NADA Retail Value; Model Years: 2023, 2022, 2021, 2020; Fixed; Used Auto-100% NADA Retail Value plus taxes and tags; Rate based on evaluation of credit history; Apply Now

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 7 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles Loan
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 22, 2026: 5.75% APRSep 22, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $35,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. 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.

Rate History
No change since Sep 16, 2026 · 5.80% APR · checked 4 times
5.30%5.80%6.30%Sep 16, 2026: 5.80% APRSep 16, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
5.80%
61 - 72 months
▼
APR5.80%
Term61 - 72 months
Last UpdatedOct 12, 2026
Details

Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $20,000; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 12, 2026: 5.80% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
5.80%
Up to 72 Months
▼
APR5.80%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $20,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 12, 2026: 5.80% APROct 12, 2026Oct 13, 2026
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.76%
501 Dulany St, Alexandria, VA, 22314
Used Automobile 100% Or Less Financing
6.04%
72 months
▼
APR6.04%
Term72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 6.04% - 10.74%. Amount Financed: 100% NADA Retail Value; Model Years: 2023, 2022, 2021, 2020; Fixed; Used Auto-100% NADA Retail Value plus taxes and tags; Rate based on evaluation of credit history; Min. finance amt $30,000; Apply Now

Rate History
No change since Sep 14, 2026 · 6.04% APR · checked 7 times
5.54%6.04%6.54%Sep 14, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2018 models and older (20 years old max) Auto Loan
6.04%
37 - 48 months
▼
APR6.04%
Term37 - 48 months
Last UpdatedOct 12, 2026
Details

Model year 2018; Additional APR listed for this product: 6.54%. As Low As; Fixed APR

Rate History
No change since Oct 12, 2026 · 6.04% APR
5.54%6.04%6.54%Oct 12, 2026: 6.04% APROct 12, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles Loan
6.05%
72 months
▼
APR6.05%
Term72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 6.05% APR · checked 5 times
5.55%6.05%6.55%Sep 22, 2026: 6.05% APRSep 22, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
106 N Washington St, Alexandria, VA, 22314
Used car purchase Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
106 N Washington St, Alexandria, VA, 22314
Used car rate Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Business Vehicle Loan
6.29%
37-60 months
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2018 models and older (20 years old max) Auto Loan
6.29%
49 - 60 months
▼
APR6.29%
Term49 - 60 months
Last UpdatedOct 12, 2026
Details

Model year 2018; As Low As; Fixed APR; Requires minimum $10,000 purchase price

Rate History
No change since Oct 12, 2026 · 6.29% APR
5.79%6.29%6.79%Oct 12, 2026: 6.29% APROct 12, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Auto Loan
6.40%
78 Months
▼
APR6.40%
Term78 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $35,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; 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.; Model Year: 2019 - 2023

Rate History
No change since Sep 16, 2026 · 6.40% APR · checked 5 times
5.90%6.40%6.90%Sep 16, 2026: 6.40% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
6.49%
Up to 36 months
▼
APR6.49%
TermUp to 36 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 15, 2026: 6.49% APRSep 15, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
6.74%
Up to 48 months
▼
APR6.74%
TermUp to 48 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 6.74% APR · checked 7 times
6.24%6.74%7.24%Sep 15, 2026: 6.74% APRSep 15, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
6.80%
73 - 84 months
▼
APR6.80%
Term73 - 84 months
Last UpdatedOct 12, 2026
Details

Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $35,000; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 6.80% APR
6.30%6.80%7.30%Oct 12, 2026: 6.80% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
6.80%
Up to 84 Months
▼
APR6.80%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $35,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 6.80% APR
6.30%6.80%7.30%Oct 12, 2026: 6.80% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Auto Loan
6.98%
73-84 Months
▼
APR6.98%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Vehicle Loan
6.98%
73-84 months
▼
APR6.98%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 15, 2026: 6.99% APRSep 15, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
6.99%
49 months
▼
APR6.99%
Term49 months
Last UpdatedOct 12, 2026
Details

Term: 49 months to 60 months; As low as

Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $35,000+; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. 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.

Rate History
No change since Sep 16, 2026 · 7.05% APR · checked 4 times
6.55%7.05%7.55%Sep 16, 2026: 7.05% APRSep 16, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
7.19%
61 months
▼
APR7.19%
Term61 months
Last UpdatedOct 12, 2026
Details

Term: 61 months to 66 months; As low as

Rate History
No change since Sep 16, 2026 · 7.19% APR · checked 5 times
6.69%7.19%7.69%Sep 16, 2026: 7.19% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
7.24%
Up to 72 months
▼
APR7.24%
TermUp to 72 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 7.24% APR · checked 7 times
6.74%7.24%7.74%Sep 15, 2026: 7.24% APRSep 15, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
7678D Richmond Hwy, Alexandria, VA, 22306
Used Business Vehicle Loan
7.39%
61-72 months
▼
APR7.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★ Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA, 22314
Used Auto Loan
7.40%
84 Months
▼
APR7.40%
Term84 Months
Last UpdatedOct 12, 2026
Details

Loan Amount: $35,000+; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; 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.; Model Year: 2019 - 2023

Rate History
No change since Sep 16, 2026 · 7.40% APR · checked 5 times
6.90%7.40%7.90%Sep 16, 2026: 7.40% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
7.49%
Up to 84 months
▼
APR7.49%
TermUp to 84 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 15, 2026: 7.49% APRSep 15, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
7.49%
67 months
▼
APR7.49%
Term67 months
Last UpdatedOct 12, 2026
Details

Term: 67 months to 72 months; As low as

Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 16, 2026: 7.49% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
7.74%
Up to 96 months
▼
APR7.74%
TermUp to 96 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 7.74% APR · checked 7 times
7.24%7.74%8.24%Sep 15, 2026: 7.74% APRSep 15, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
7.74%
73 months
▼
APR7.74%
Term73 months
Last UpdatedOct 12, 2026
Details

Term: 73 months to 78 months; As low as

Rate History
No change since Sep 16, 2026 · 7.74% APR · checked 5 times
7.24%7.74%8.24%Sep 16, 2026: 7.74% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
7.99%
Up to 120 months
▼
APR7.99%
TermUp to 120 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 15, 2026: 7.99% APRSep 15, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2018 models and older (20 years old max) Auto Loan
8.00%
73 - 84 months
▼
APR8.00%
Term73 - 84 months
Last UpdatedOct 12, 2026
Details

Model year 2018; As Low As; Fixed APR; Requires minimum $35,000 purchase price

Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
6222 Little River Tpke, Alexandria, VA, 22312 1714
New and Used Auto Loans
8.49%
79 months
▼
APR8.49%
Term79 months
Last UpdatedOct 12, 2026
Details

Term: 79 months to 84 months; As low as

Rate History
No change since Sep 16, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 16, 2026: 8.49% APRSep 16, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Leisure Vehicle Loan
8.99%
Up to 180 months
▼
APR8.99%
TermUp to 180 months
Last UpdatedOct 7, 2026
Details

As low as** ***; Loan Amounts: Maximum: $150,000

Rate History
No change since Sep 15, 2026 · 8.99% APR · checked 7 times
8.49%8.99%9.49%Sep 15, 2026: 8.99% APRSep 15, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars (2019 - 2024 models) Auto Loan
9.34%
85 - 96 months
▼
APR9.34%
Term85 - 96 months
Last UpdatedOct 12, 2026
Details

Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $50,000; Loans subject to minimum monthly payment of $45.00

Rate History
No change since Oct 12, 2026 · 9.34% APR
8.84%9.34%9.84%Oct 12, 2026: 9.34% APROct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
4800 Fillmore Ave, Alexandria, VA, 22311 5070
Used Auto Loan (2019-2024)
9.34%
Up to 96 Months
▼
APR9.34%
TermUp to 96 Months
Last UpdatedOct 12, 2026
Details

As Low As; Fixed APR; Minimum Loan Amount: $50,000; Rates Effective: October 6, 2026

Rate History
No change since Oct 12, 2026 · 9.34% APR
8.84%9.34%9.84%Oct 12, 2026: 9.34% APROct 12, 2026Oct 13, 2026
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Auto Loan - 2026+ New & Used
3.50%
36-60 Months
▼
APR3.50%
Term36-60 Months
Last UpdatedOct 13, 2026
Details

Amount Financed: 100% NADA Retail/MSRP; APR range: 3.50-9.25%

Rate History
No change since Oct 13, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 13, 2026: 3.50% APROct 13, 2026Oct 13, 2026
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New and Used Vehicles Loan
3.74%
up to 60 months
▼
APR3.74%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.74% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.

Rate History
No change since Sep 25, 2026 · 3.74% APR · checked 4 times
3.24%3.74%4.24%Sep 25, 2026: 3.74% APRSep 25, 2026Oct 13, 2026
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Auto Loan
3.74%
0-36 months
▼
APR3.74%
Term0-36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.74 - 15.99%. As Low As; Model Year: 2019-2024

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 7 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 13, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Used Auto (2017-2025)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedOct 12, 2026
Details

As Low As; Amount: up to 120%

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New/Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 15.00%; Rates effective: January 29, 2026

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New/Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
49 - 60 months
▼
APR3.99%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 16.00%; Rates effective: January 29, 2026

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Vehicles 2025 and Older Loan
3.99%
36-60 months
▼
APR3.99%
Term36-60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New and Used Vehicles Loan
4.00%
72 months
▼
APR4.00%
Term72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.00% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.

Rate History
No change since Sep 25, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APRSep 25, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New/Used Vehicle Loan
4.20%
12 - 96 months
▼
APR4.20%
Term12 - 96 months
Last UpdatedOct 13, 2026
Details

APR range: 4.20% - 14.75%

Rate History
No change since Oct 1, 2026 · 4.20% APR · checked 4 times
3.70%4.20%4.70%Oct 1, 2026: 4.20% APROct 1, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
Used Car Loan
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Minimum of $1,000 loan

Rate History
No change since Sep 12, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 12, 2026: 4.24% APRSep 12, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
Vehicle Loans - Used Car
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Used Car APR; Minimum of $1,000 loan

Rate History
No change since Oct 12, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 12, 2026: 4.24% APROct 12, 2026Oct 13, 2026

Alexandria, VA Auto Loan Rate Trends

Compare local Alexandria, VA auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Virginia Auto Trends
New Auto Loan VA Avg
5.061%
▼ 0.096 vs 7 days ago

Virginia new auto rates fell 0.096 points over the past 7 days to 5.061% APR.

Used Auto Loan VA Avg
5.703%
▼ 0.044 vs 7 days ago

Virginia used auto rates fell 0.044 points over the past 7 days to 5.703% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Alexandria, VA Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Virginia figures.

Current New Auto Avg
5.06%
APR, as of Oct 13, 2026
6-Month Forecast
5.14%
Fed hold assumed
12-Month Forecast
5.21%
Range: 4.86% to 5.41%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Virginia APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.06% APR
VA average
Used Auto @ 5.70% APR
VA average
Monthly Difference
$15,000 $283.49/mo $287.93/mo $4.44/mo
$25,000 $472.48/mo $479.88/mo $7.40/mo
$35,000 $661.47/mo $671.83/mo $10.37/mo
$45,000 $850.46/mo $863.78/mo $13.33/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Alexandria, Virginia

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Alexandria, Virginia locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Virginia. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Alexandria, Virginia Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$73,247
Median Individual Earnings
National avg: $47,340
3.2%
Unemployment Rate
National avg: 4.8%
7.9%
Poverty Rate
National avg: 11.1%
$567/mo
Payment on a $30K / 60-mo Loan
At VA new-auto avg 5.06% APR

A $567 monthly car payment works out to roughly 9.3% of the median individual income in Alexandria, Virginia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Alexandria, Virginia, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Alexandria, Virginia. We’ve prefilled the APR with today’s VA new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Alexandria, 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 Alexandria, 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 Alexandria, 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.

Bad Credit Auto Loans in Alexandria, Virginia

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans

Frequently Asked Questions about Auto Loans in Alexandria, Virginia

How does my credit score affect my car loan rate in Virginia?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Alexandria, Virginia 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 Virginia *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 Alexandria, Virginia 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.

Should I get preapproved for an auto loan before visiting a dealer in Alexandria, Virginia?

Yes. A preapproval from a bank or credit union serving Alexandria, Virginia gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Alexandria, Virginia can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Alexandria, Virginia?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Alexandria, Virginia?

Based on our current data, some of the lowest auto loan rates available in Alexandria, Virginia include:
  • United States Senate Federal Credit Union: 3.74% (New Auto Loan)
  • Navy Federal Credit Union: 3.89% (New Auto Loan)
  • State Department Federal Credit Union: 3.99% (New Auto)
  • SPECTRA Credit Union: 4.20% (New Vehicles Loan)
  • Apple Federal Credit Union: 4.24% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Alexandria, Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

Alexandria, Virginia Rates & Resources