Arlington, Virginia Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Arlington, Virginia include State Department Federal Credit UnionState Department Federal Credit Union1801 N Lynn St, Arlington, VA, 22209A+5.0 ★Texas Ratio: 4.16% offering New Auto at 3.99%, PAHO WHO Federal Credit UnionPAHO WHO Federal Credit Union2300 Wilson Blvd, Arlington, VA, 22201A+5.0 ★Texas Ratio: 2.04% offering New or Used Vehicle Loans at 4.00%, Arlington Community Federal Credit UnionArlington Community Federal Credit Union2130 N Glebe Rd, Arlington, VA, 22207A5.0 ★Texas Ratio: 6.62% offering Auto Loans at 4.14%, NASA Federal Credit UnionNASA Federal Credit Union3503 Fairfax Dr, Arlington, VA, 22201A+5.0 ★Texas Ratio: 3.91% offering Auto Loan at 4.69%, Justice Federal Credit UnionJustice Federal Credit Union600 Army Navy Dr, Arlington, VA, 22202 4200A+5.0 ★Texas Ratio: 4.95% offering Auto Loan at 4.69%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Arlington has 10 local institutions in our database, with auto loan rates as low as 3.99% APR from State Department Federal Credit Union at 1801 N Lynn St, Arlington, VA, 22209. 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 Arlington, Virginia. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Arlington, Virginia & Surrounding Area
Arlington Auto Loan Rates
As Low As
As Low As; Sample Monthly Payment for $20,000: $592
As Low As
As Low As
As Low As
As Low As; Sample Monthly Payment for $20,000: $456; Minimum Loan Amount: $10,000
As Low As; Sample Monthly Payment for $20,000: $374; Minimum Loan Amount: $10,000
As Low As; Minimum Loan Amount: No Minimum
Loan Amount: $5,000-$125,000
Loan Amount: $2,500+
As Low As
As Low As; Sample Monthly Payment for $20,000: $320; Minimum Loan Amount: $20,000
Loan Amount: $2,500+
Minimum Loan Amount: $5,000; Maximum LTV: 80% LTV
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As
As Low As
Rate based on evaluation of credit history
Model Year: 2025; Minimum Loan Amount: $5,000
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Rate is based on model year and term. Additional model year terms and rates are available. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Cash out refinances are ineligible. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars add 2 percentage points to the oldest rates. Terms and rates will vary on loans for business purposes.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
As Low As; Minimum Loan Amount: $10,000
As Low As; Minimum Loan Amount: No Minimum
Model Year: 2024; Minimum Loan Amount: $5,000
As Low As; Minimum Loan Amount: $10,000
Loan Amount: $2,500+
Loan Amount: $2,500+
Model Year: 2026; Minimum Loan Amount: $5,000
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As
Rate based on evaluation of credit history
Loan Amount: $10,000-$125,000
As Low As; Minimum Loan Amount: $20,000
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Loan Amount: $5,000+
Minimum Loan Amount: $8,000; Maximum LTV: 80% LTV
Model Year: 2022; Minimum Loan Amount: $5,000
Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
Loan Amount: $2,500+
Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
As Low As; Minimum Loan Amount: $10,000
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Loan Amount: $5,000+
Loan Amount: $15,000+
Model Year: 2025; Minimum Loan Amount: $8,000
Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $10,000; Maximum LTV: 80% LTV
Model Year: 2026; Minimum Loan Amount: $8,000
Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
As Low As; ($25,000)
As Low As; ($25,000)
Rate based on evaluation of credit history.
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide.
Model Year: 2025; Minimum Loan Amount: $10,000
As Low As; Minimum Loan Amount: $10,000
As Low As; Sample Monthly Payment for $20,000: $290; Minimum Loan Amount: $35,000
Model Year: 2024; Minimum Loan Amount: $10,000
Model Year: 2022; Minimum Loan Amount: $8,000
Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
Model Year: 2026; Minimum Loan Amount: $10,000
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide.
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Rate based on evaluation of credit history. Min. finance amt $30,000
As Low As; Minimum Loan Amount: $20,000
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Loan Amount: $15,000+
Minimum Loan Amount: $20,000; Maximum LTV: 80% LTV
Model Year: 2023; Minimum Loan Amount: $10,000
Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
Loan Amount: $15,000-$125,000
Model Year: 2020-2021; Minimum Loan Amount: $5,000
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide.
Actual rate may be higher based on income, credit worthiness, and loan to value. $25000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. $25000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Model Year: 2022; Minimum Loan Amount: $10,000
As Low As; Minimum Loan Amount: $35,000
Minimum Loan Amount: $20,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $20,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
Model Year: 2026; Minimum Loan Amount: $20,000
Model Year: 2020-2021; Minimum Loan Amount: $8,000
Loan Amount: $2,500+
Loan Amount: $20,000+
Loan Amount: $20,000-$125,000
Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
Loan Amount: $20,000+
Loan Amount: $10,000+
Model Year: 2017-2019; Minimum Loan Amount: $5,000
Model Year: 2026; Minimum Loan Amount: $40,000
Model Year: 2020-2021; Minimum Loan Amount: $10,000
As Low As; Minimum Loan Amount: $35,000
Model Year: 2017-2019; Minimum Loan Amount: $8,000
Loan Amount: $25,000+
Loan Amount: $25,000+
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value.
Loan Amount: $40,000+
Model Year: 2017-2019; Minimum Loan Amount: $10,000
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value.
As Low As; Sample Monthly Payment for $20,000: $286; Minimum Loan Amount: $50,000
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value.
As Low As; Minimum Loan Amount: $50,000
Model Year: 2026; Minimum Loan Amount: $40,000
Intro/promo APR: 2%; Intro rate expires: 12 months; Regular APR: 13.65% - 18.00% Variable APR*
Modal Year: 2025 & newer; As low as
Modal Year: 2020-2025; As low as
Published APR range: 3.24 - 13.99%. Model Year: 2025 and newer
As Low As
Published APR range: 3.50-9.25%. Auto Year: 2026+ New & Used; Loan to Value: 100% NADA Retail/MSRP
As Low As; 2025 & Newer
As low as**; Maximum Loan Amount: $150,000
As Low As
As Low As; *** Rate applies to TrueCar certified dealers.
Published APR range: 3.74 - 15.99%. Model Year: 2019-2024
As Low As
As Low As; Amount Down: up to 120%
As Low As; Amount Down: up to 120%
As low as**; Maximum Loan Amount: $150,000
As low as** 3.99%***; Maximum: $75,000
As Low As*
As Low As
As Low As
As Low As; Fixed
As Low As; Fixed
As low as; Minimum of $1,000 loan
As low as; Minimum of $1,000 loan
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026.
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026.
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026.
Published APR range: 3.99 - 14.49%. Model Year: 2025 and newer
Modal Year: 2025 & newer; As low as
Modal Year: 2020-2025; As low as
Rates as low as; New Auto Loans (0 - 1 year)
Max APR 12.49%
As Low As; 15.00%
As Low As; 16.00%
100% financing
As Low As; Includes a 0.25% Direct Deposit rate discount. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance. 0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. Payments based on $20,000 loan amount. Maximum loan amount of $100,000.
As Low As; Includes a 0.25% Direct Deposit rate discount. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Used Auto Loans 9-10 model years max term 60 months and rates for 36 months priced 0.50% above regular rate, 48 months priced 0.75% above regular rate, and 60 months priced 1.00% above regular rates. Current Apple FCU Auto Loans are not eligible for refinance. Max mileage of 150,000. 0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. Payments based on $20,000 loan amount. Maximum loan amount of $100,000.
As Low As;
As Low As; 2025 & Newer
Percent of Financing: 100%
Published APR range: 4.20% - 14.75%.
As low as**; Maximum Loan Amount: $150,000
As low as** 4.24%***; Maximum: $75,000
Minimum loan of $5,000
As low as
As low as; Minimum of $1,000 loan
As low as; - Minimum of $1,000 loan
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026.
Payment example based on a $20,000.00 loan: $453.73 at 4.24% APR with a 48 month term; $342.55 at 4.49% APR with a 66 month term; $319.69 at 4.74% APR with a 72 month term; $303.11 at 5.24% APR with a 78 month term; and $287.31 at 5.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
As Low As; Listed APRs assume excellent credit, collateral with a loan-to-value (LTV) of 125% or less with a model year of 2013 or newer. A discount of 0.25% is included for an automated payment method approved by us.
As Low As
Published APR range: 4.25% - 17.75%.
100% financing
As Low As*
As Low As*
As Low As
As Low As
As Low As
As Low As
Model Year: 2020 - Present
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Percent of Financing:
Arlington New Auto Auto Loan Rates
As Low As
As Low As
As Low As
Minimum Loan Amount: $5,000; Maximum LTV: 80% LTV
As Low As
Rate based on evaluation of credit history
Model Year: 2025; Minimum Loan Amount: $5,000
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Model Year: 2024; Minimum Loan Amount: $5,000
Model Year: 2026; Minimum Loan Amount: $5,000
Rate based on evaluation of credit history
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Minimum Loan Amount: $8,000; Maximum LTV: 80% LTV
Model Year: 2022; Minimum Loan Amount: $5,000
Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Model Year: 2025; Minimum Loan Amount: $8,000
Minimum Loan Amount: $10,000; Maximum LTV: 80% LTV
Model Year: 2026; Minimum Loan Amount: $8,000
As Low As; ($25,000)
Model Year: 2025; Minimum Loan Amount: $10,000
Model Year: 2024; Minimum Loan Amount: $10,000
Model Year: 2022; Minimum Loan Amount: $8,000
Model Year: 2026; Minimum Loan Amount: $10,000
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Minimum Loan Amount: $20,000; Maximum LTV: 80% LTV
Model Year: 2023; Minimum Loan Amount: $10,000
Actual rate may be higher based on income, credit worthiness, and loan to value. $25000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Model Year: 2022; Minimum Loan Amount: $10,000
Model Year: 2026; Minimum Loan Amount: $20,000
Model Year: 2026; Minimum Loan Amount: $40,000
Model Year: 2026; Minimum Loan Amount: $40,000
Intro/promo APR: 2%; Intro rate expires: 12 months; Regular APR: 13.65% - 18.00% Variable APR*
Modal Year: 2025 & newer; As low as
Published APR range: 3.24 - 13.99%. Model Year: 2025 and newer
As Low As
As low as**; Maximum Loan Amount: $150,000
As Low As
As Low As; *** Rate applies to TrueCar certified dealers.
As Low As
As Low As; Amount Down: up to 120%
As low as**; Maximum Loan Amount: $150,000
As Low As*
As low as; Minimum of $1,000 loan
As low as; Minimum of $1,000 loan
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026.
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026.
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026.
Published APR range: 3.99 - 14.49%. Model Year: 2025 and newer
Modal Year: 2025 & newer; As low as
Rates as low as; New Auto Loans (0 - 1 year)
Max APR 12.49%
As Low As; Includes a 0.25% Direct Deposit rate discount. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance. 0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. Payments based on $20,000 loan amount. Maximum loan amount of $100,000.
As Low As;
Percent of Financing: 100%
Published APR range: 4.20% - 14.75%.
As low as**; Maximum Loan Amount: $150,000
Minimum loan of $5,000
As low as
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026.
As Low As
Published APR range: 4.25% - 17.75%.
As Low As*
As Low As*
As Low As
As Low As
Percent of Financing:
Arlington Used Auto Auto Loan Rates
As Low As
As Low As
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As
Rate based on evaluation of credit history
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Rate is based on model year and term. Additional model year terms and rates are available. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Cash out refinances are ineligible. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars add 2 percentage points to the oldest rates. Terms and rates will vary on loans for business purposes.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As
Rate based on evaluation of credit history
Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
As Low As; ($25,000)
Rate based on evaluation of credit history.
Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
Rate based on evaluation of credit history. Min. finance amt $30,000
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
Model Year: 2020-2021; Minimum Loan Amount: $5,000
Actual rate may be higher based on income, credit worthiness, and loan to value. $25000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Minimum Loan Amount: $20,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $20,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
Model Year: 2020-2021; Minimum Loan Amount: $8,000
Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
Model Year: 2017-2019; Minimum Loan Amount: $5,000
Model Year: 2020-2021; Minimum Loan Amount: $10,000
Model Year: 2017-2019; Minimum Loan Amount: $8,000
Model Year: 2017-2019; Minimum Loan Amount: $10,000
Modal Year: 2020-2025; As low as
Published APR range: 3.74 - 15.99%. Model Year: 2019-2024
As Low As; Amount Down: up to 120%
As low as** 3.99%***; Maximum: $75,000
Modal Year: 2020-2025; As low as
As Low As; Includes a 0.25% Direct Deposit rate discount. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Used Auto Loans 9-10 model years max term 60 months and rates for 36 months priced 0.50% above regular rate, 48 months priced 0.75% above regular rate, and 60 months priced 1.00% above regular rates. Current Apple FCU Auto Loans are not eligible for refinance. Max mileage of 150,000. 0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. Payments based on $20,000 loan amount. Maximum loan amount of $100,000.
Published APR range: 4.20% - 14.75%.
As low as** 4.24%***; Maximum: $75,000
As low as; - Minimum of $1,000 loan
As Low As
As Low As
Arlington, VA Auto Loan Rate Trends
Compare local Arlington, 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.
Virginia new auto rates rose 0.107 points over the past 7 days to 5.437% APR.
Virginia used auto rates fell 0.056 points over the past 7 days to 6.031% APR.
Arlington, 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.
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.
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 @ 5.44% APR VA average | Used Auto @ 6.03% APR VA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.08/mo | $290.21/mo | $4.13/mo |
| $25,000 | $476.80/mo | $483.68/mo | $6.88/mo |
| $35,000 | $667.52/mo | $677.15/mo | $9.63/mo |
| $45,000 | $858.24/mo | $870.62/mo | $12.38/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.
How to Get the Best Auto Loan Rate in Arlington, Virginia
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Arlington, 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.
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.
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.
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.
- Saving up for a bigger down payment: park it in a Arlington, Virginia high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Arlington, Virginia CD rates lock in a guaranteed return until you’re ready to buy
Arlington, Virginia Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 7.8% of the median individual income in Arlington, Virginia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Arlington, 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 1–3 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 (0–2.9% 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 Arlington, 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.
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 Arlington, 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 Arlington, 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 Arlington, Virginia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in VA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Arlington, Virginia
How does my credit score affect my car loan rate in Virginia?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Arlington, Virginia?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Arlington, Virginia?
- State Department Federal Credit Union: 3.99% (New Auto)
- PAHO WHO Federal Credit Union: 4.00% (New or Used Vehicle Loans)
- Arlington Community Federal Credit Union: 4.14% (Auto Loans)
- NASA Federal Credit Union: 4.69% (Auto Loan)
- Justice Federal Credit Union: 4.69% (Auto Loan)
Arlington, Virginia Rates & Resources
