Madison, Virginia Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current auto loan rates in Madison, Virginia include Norfolk Fire Department Federal Credit UnionNorfolk Fire Department Federal Credit UnionA+5.0 ★Texas Ratio: 0.59% offering New Auto Loan at 2.99%, Central Virginia Federal Credit UnionCentral Virginia Federal Credit UnionA+5.0 ★Texas Ratio: 5.66% offering New Auto at 2.99%, Park View Federal Credit UnionPark View Federal Credit UnionA+5.0 ★Texas Ratio: 0.20% offering New Auto Loan at 3.24%, Credit Union of RichmondCredit Union of RichmondA+5.0 ★Texas Ratio: 1.08% offering New Auto Purchase (Never Titled) at 3.49%, Augusta Health Care Credit UnionAugusta Health Care Credit UnionA+5.0 ★Texas Ratio: 0.07% offering Auto Loan at 3.50%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Madison borrowers have access to 58 lenders serving the Virginia area, with auto loan rates as low as 2.99% APR from Norfolk Fire Department Federal Credit Union. 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 Madison, Virginia. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Madison, Virginia & Surrounding Area
Madison Auto Loan Rates
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
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; Sample Monthly Payment for $20,000: $592
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
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:
As Low As; The offer is good on 2019 to 2026 year models. The vehicle must be reporting on your credit for at least six months. The minimum loan amount for this offer is $5,000. Terms and conditions apply.
As low as**; Maximum Loan Amount: $150,000
As low as** 4.49%***; Maximum: $75,000
Minimum loan of $5,000
As Low As
As Low As
Published APR range: 4.49 - 16.24%. Model Year: 2019-2024
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; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
As Low As; Payment Example: $436.43 (based on $10,000)
As Low As; Payment Example: $297.42 (based on $10,000)
As Low As; Payment Example: $227.99 (based on $10,000)
As Low As; Payment Example: $186.38 (based on $10,000)
Published APR range: 4.49% - 12.49%. Model Year 2021-2025
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.
100% financing
Published APR range: 4.50-10.00%. Auto Year: 2026+ New & Used; Loan to Value: 100% NADA Retail/MSRP
Published APR range: 4.50-10.25%. Auto Year: 2023-2025; Loan to Value: 100% NADA Retail
Published APR range: 4.50 to 12.00%.
As Low As;
As Low As; Sample Monthly Payment for $20,000: $456; Minimum Loan Amount: $10,000
As Low As;
As Low As; Sample Monthly Payment for $20,000: $374; Minimum Loan Amount: $10,000
As Low As; Minimum Loan Amount: No Minimum
As Low As; 2022 - 2024*
Loan Amount: $5,000-$125,000
Loan Amount: $2,500+
Max APR 13.19%
Vehicles 2018 model year and newer. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. Max APR 13.19%
Percent of Financing:
Up to 5 Years Old
As low as**; Maximum Loan Amount: $150,000
As low as** 4.74%***; Maximum: $75,000
Minimum loan of $5,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As
As Low As
As Low As; *** Rate applies to TrueCar certified dealers.
As Low As
Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
Annual percentage rate may vary depending on individual credit history and underwriting terms. View www.topsidefcu.org/loan-rates for more information.
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026.
Published APR range: 4.74 - 15.24%. Model Year: 2025 and newer
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
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; 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.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; 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.
Published APR range: 4.75% - 17.75%.
100% financing
Additional APR listed for this product: 5.49%. New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
As Low As*
As Low As;
As Low As; Sample Monthly Payment for $20,000: $320; Minimum Loan Amount: $20,000
As low as
As low as; Minimum of $1,000 loan
As low as; Minimum of $1,000 loan
As Low As
As Low As
As low as
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
Percent of Financing: ; Maximum Amount: $100,000 (min. $20,000)
Up to 5 Years Old
As low as
As low as** 4.99%***; Maximum: $75,000
Minimum loan of $15,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As*
As Low As
As Low As
As Low As
As Low As; Fixed
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.
As Low As
Model Year: 2023 - current
Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
As low as
Published APR range: 4.99 - 16.74%. Model Year: 2019-2024
Modal Year: 2025 & newer; As low as
Modal Year: 2020-2025; As low as
Modal Year: 2016-2019; As low as
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
As low as
Rates as low as; New Auto Loans (0 - 1 year)
Rates as low as; Used Auto Loans (2 - 10 years)
Term: flexible terms available; Financing: 100%
As Low As; Starting at
As Low As; Payment Example: $322.01 (based on $20,000)
As Low As; Payment Example: $438.67 (based on $10,000)
As Low As; Payment Example: $299.66 (based on $10,000)
As Low As; Payment Example: $230.25 (based on $10,000)
As Low As; Payment Example: $188.67 (based on $10,000)
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.
Madison New Auto Auto Loan Rates
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
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
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:
As Low As; The offer is good on 2019 to 2026 year models. The vehicle must be reporting on your credit for at least six months. The minimum loan amount for this offer is $5,000. Terms and conditions apply.
As low as**; Maximum Loan Amount: $150,000
Minimum loan of $5,000
As Low As
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
As Low As; Payment Example: $436.43 (based on $10,000)
As Low As; Payment Example: $297.42 (based on $10,000)
As Low As; Payment Example: $227.99 (based on $10,000)
As Low As; Payment Example: $186.38 (based on $10,000)
Published APR range: 4.49% - 12.49%. Model Year 2021-2025
Published APR range: 4.50 to 12.00%.
As Low As;
As Low As;
Max APR 13.19%
Percent of Financing:
As low as**; Maximum Loan Amount: $150,000
Minimum loan of $5,000
As Low As
As Low As; *** Rate applies to TrueCar certified dealers.
Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
Annual percentage rate may vary depending on individual credit history and underwriting terms. View www.topsidefcu.org/loan-rates for more information.
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026.
Published APR range: 4.74 - 15.24%. Model Year: 2025 and newer
As Low As
Additional APR listed for this product: 5.49%. New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
As Low As*
As Low As;
As low as
As low as; Minimum of $1,000 loan
As low as; Minimum of $1,000 loan
As Low As
Minimum Loan Amount: $5,000; Maximum LTV: 80% LTV
Percent of Financing: ; Maximum Amount: $100,000 (min. $20,000)
As low as
Minimum loan of $15,000
As Low As
Rate based on evaluation of credit history
Model Year: 2025; Minimum Loan Amount: $5,000
As Low As
Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
Modal Year: 2025 & newer; As low as
As low as
Rates as low as; New Auto Loans (0 - 1 year)
Term: flexible terms available; Financing: 100%
As Low As; Starting at
As Low As; Payment Example: $322.01 (based on $20,000)
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.
Madison Used Auto Auto Loan Rates
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
As low as** 4.49%***; Maximum: $75,000
As Low As
Published APR range: 4.49 - 16.24%. Model Year: 2019-2024
Vehicles 2018 model year and newer. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. Max APR 13.19%
Up to 5 Years Old
As low as** 4.74%***; Maximum: $75,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As
APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
Published APR range: 4.75% - 17.75%.
Additional APR listed for this product: 5.49%. New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
As Low As
As low as
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
Up to 5 Years Old
As low as** 4.99%***; Maximum: $75,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As*
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.
APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
Published APR range: 4.99 - 16.74%. Model Year: 2019-2024
Modal Year: 2020-2025; As low as
Modal Year: 2016-2019; As low as
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Rates as low as; Used Auto Loans (2 - 10 years)
Term: flexible terms available; Financing: 100%
As Low As; Payment Example: $438.67 (based on $10,000)
As Low As; Payment Example: $299.66 (based on $10,000)
As Low As; Payment Example: $230.25 (based on $10,000)
As Low As; Payment Example: $188.67 (based on $10,000)
Madison, VA Auto Loan Rate Trends
Compare local Madison, 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.
Madison, 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 Madison, Virginia
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Madison, 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 Madison, 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: Madison, Virginia CD rates lock in a guaranteed return until you’re ready to buy
Virginia Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $572 monthly car payment works out to roughly 13.4% of the median individual income in 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 Madison, 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 Madison, 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 Madison, 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 Madison, 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 Madison, 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 Madison, 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 Madison, 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 Madison, Virginia?
- Norfolk Fire Department Federal Credit Union: 2.99% (New Auto Loan)
- Central Virginia Federal Credit Union: 2.99% (New Auto)
- Park View Federal Credit Union: 3.24% (New Auto Loan)
- Credit Union of Richmond: 3.49% (New Auto Purchase (Never Titled))
- Augusta Health Care Credit Union: 3.50% (Auto Loan)
Madison, Virginia Rates & Resources
