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Auto Loan Rates in Richmond, Virginia (VA) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Richmond, Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 22, 2026

Current auto loan rates in Richmond, Virginia include Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit Union50 W Commerce Rd, Richmond, VA, 23224 2316A+5.0 ★Texas Ratio: 0.93% offering New and Used Vehicles at 2.49%, FRB Federal Credit UnionFRB Federal Credit Union12560 W Creek Pkwy, Richmond, VA, 23238 1110A5.0 ★Texas Ratio: 6.96% offering New Auto at 3.99%, 1st Advantage Federal Credit Union1st Advantage Federal Credit Union1204 Broad Rock Blvd, Richmond, VA, 23224 4916A+5.0 ★Texas Ratio: 2.79% offering New & Used Auto Loan Refinance at 3.99%, Credit Union of RichmondCredit Union of Richmond1601 Ownby Ln, Richmond, VA, 23220A+5.0 ★Texas Ratio: 0.60% offering Used Auto Purchase and Refinance (2023-2027) at 3.99%, TruEnergy Federal Credit UnionTruEnergy Federal Credit UnionA5.0 ★Texas Ratio: 8.31% offering New Vehicles at 2.74%. Auto loan rates as of April 22, 2026 according to verified data from MonitorBankRates.

Richmond has 4 local institutions in our database, with auto loan rates as low as 2.49% APR from Richmond Heritage Federal Credit Union at 50 W Commerce Rd, Richmond, VA, 23224 2316. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Richmond, Virginia. Auto Loan Rates Last Updated and Verified: April 22, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.49%
36 months
View
▼
APR2.49%
Term36 months
Last UpdatedApr 17, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedApr 17, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedApr 17, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.75%
72 months
View
▼
APR3.75%
Term72 months
Last UpdatedApr 17, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48 Months
View
▼
APR3.99%
Term0-48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.24%
49-60 Months
View
▼
APR4.24%
Term49-60 Months
Last UpdatedApr 19, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.49%
0-48 Months
View
▼
APR4.49%
Term0-48 Months
Last UpdatedApr 19, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Used Auto Loans
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.74%
49-60 Months
View
▼
APR4.74%
Term49-60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.74%
61-66 Months
View
▼
APR4.74%
Term61-66 Months
Last UpdatedApr 19, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
4.75%
75 Months
View
▼
APR4.75%
Term75 Months
Last UpdatedApr 18, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedApr 17, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedApr 17, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Used Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 2026
Details

Vehicle model years 2020-2022; Limited time offer

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New Auto Loans (Models 2024 and Newer)
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Used Auto Loans
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedApr 18, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
5.24%
61-66 Months
View
▼
APR5.24%
Term61-66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
5.24%
72-77 Months
View
▼
APR5.24%
Term72-77 Months
Last UpdatedApr 19, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
5.74%
67-72 Months
View
▼
APR5.74%
Term67-72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
5.74%
73-78 Months
View
▼
APR5.74%
Term73-78 Months
Last UpdatedApr 19, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New Auto Loans (Models 2024 and Newer)
5.99%
Up to 84 months
View
▼
APR5.99%
TermUp to 84 months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Used Auto Loans
5.99%
Up to 84 months
View
▼
APR5.99%
TermUp to 84 months
Last UpdatedApr 18, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
6.24%
79-84 Months
View
▼
APR6.24%
Term79-84 Months
Last UpdatedApr 19, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
9.74%
96 Months
View
▼
APR9.74%
Term96 Months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New Auto Loans (Models 2024 and Newer)
9.99%
Up to 96 months
View
▼
APR9.99%
TermUp to 96 months
Last UpdatedApr 18, 2026
Details

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
2.74%
Up to 60 Months
View
▼
APR2.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
2.74%
Up to 60 Months
View
▼
APR2.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2020-2025

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
3.24%
0-36
View
▼
APR3.24%
Term0-36
Last UpdatedApr 18, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.24%
0-36
View
▼
APR3.24%
Term0-36
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2025 and newer

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Auto Loan
3.25%
12-60
View
▼
APR3.25%
Term12-60
Last UpdatedApr 17, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto Loan
3.25%
12-60
View
▼
APR3.25%
Term12-60
Last UpdatedApr 17, 2026
Details

As Low As

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
3.50%
36-60
View
▼
APR3.50%
Term36-60
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2024
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
3.74%
61 to 72 Months
View
▼
APR3.74%
Term61 to 72 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
3.74%
61 to 72 Months
View
▼
APR3.74%
Term61 to 72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
3.89%
Up to 36 months
View
▼
APR3.89%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2025 and newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2020-2025

Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loans
3.99%
0 - 48
View
▼
APR3.99%
Term0 - 48
Last UpdatedApr 18, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
3.99%
36-60
View
▼
APR3.99%
Term36-60
Last UpdatedApr 19, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $29.43

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedApr 19, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedApr 18, 2026
Details

100% Financing

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
View
▼
APR4.20%
Term12 - 96
Last UpdatedApr 19, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles 36
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Auto Loan
4.25%
72-120
View
▼
APR4.25%
Term72-120
Last UpdatedApr 17, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto Loan
4.25%
72-120
View
▼
APR4.25%
Term72-120
Last UpdatedApr 17, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.25%
2 Years
View
▼
APR4.25%
Term2 Years
Last UpdatedApr 19, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.29%
Up to 36 months
View
▼
APR4.29%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.29%
72 Months
View
▼
APR4.29%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.39%
2025 Mo
View
▼
APR4.39%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.40%
48 Months
View
▼
APR4.40%
Term48 Months
Last UpdatedApr 18, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2023-2025 Auto Loan
4.50%
36-60
View
▼
APR4.50%
Term36-60
Last UpdatedApr 8, 2026
Details

100% NADA Retail

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
View
▼
APR4.50%
Termup to 6 yrs
Last UpdatedApr 18, 2026
Details

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New Auto Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedApr 19, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.52%
2025 Mo
View
▼
APR4.52%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.55%
48 Months
View
▼
APR4.55%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles 48
4.55%
48 Months
View
▼
APR4.55%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.59%
48 months
View
▼
APR4.59%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 months
View
▼
APR4.59%
Term48 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $22.91

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 months
View
▼
APR4.60%
Term36 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $29.72

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 months
View
▼
APR4.69%
Term60 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $18.70

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.70%
60 Months
View
▼
APR4.70%
Term60 Months
Last UpdatedApr 18, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedApr 18, 2026
Details

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar Used Vehicle Rate
4.74%
Up to 60 Months
View
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
Used Vehicles
4.74%
Up to 60 Months
View
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.74%
2025 Mo
View
▼
APR4.74%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.74%
2024 Mo
View
▼
APR4.74%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Auto Loans
4.74%
12 to 36
View
▼
APR4.74%
Term12 to 36
Last UpdatedApr 18, 2026
Details

100% of MSRP/NADA Value

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2025 and newer

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 19, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
View
▼
APR4.75%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2023 - 2022
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
View
▼
APR4.75%
Term36 - 120 months
Last UpdatedApr 19, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.75%
3 Years
View
▼
APR4.75%
Term3 Years
Last UpdatedApr 19, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 36
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.79%
84 Months
View
▼
APR4.79%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
View
▼
APR4.85%
Term60 months
Last UpdatedApr 19, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.87%
2024 Mo
View
▼
APR4.87%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.89%
60 months
View
▼
APR4.89%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $7,000 loan

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
View
▼
APR4.90%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 18, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedApr 18, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 months
View
▼
APR4.94%
Term48 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $23.00

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New Automobile greater than
4.99%
60 - 84 months
View
▼
APR4.99%
Term60 - 84 months
Last UpdatedApr 17, 2026
Details

$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan 2023 - current
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.99%
49 - 60 months
View
▼
APR4.99%
Term49 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $7,000 loan

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2020-2025

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60
View
▼
APR4.99%
Term12-60
Last UpdatedApr 18, 2026
Details

New Auto, 12-60 Month Term

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
View
▼
APR4.99%
Termflexible terms available
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedApr 19, 2026
Details

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2020-2022 Auto Loan
5.00%
36-60
View
▼
APR5.00%
Term36-60
Last UpdatedApr 8, 2026
Details

90 % NADA Retail

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2023-2025 Auto Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details

As Low As

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used Vehicles
5.00%
96 Months
View
▼
APR5.00%
Term96 Months
Last UpdatedApr 19, 2026
Details

Up to 96 Month Term

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
2026 - 2020 Auto Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedApr 19, 2026
Details

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.04%
0-60
View
▼
APR5.04%
Term0-60
Last UpdatedApr 18, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 months
View
▼
APR5.04%
Term60 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $18.83

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
5.09%
2024 Mo
View
▼
APR5.09%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
5.09%
37 - 48 months
View
▼
APR5.09%
Term37 - 48 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loan
5.10%
66 Months
View
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to $25,000

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Same as New Auto Loan
5.10%
66 Months
View
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.10%
60 Months
View
▼
APR5.10%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles 60
5.10%
60 Months
View
▼
APR5.10%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.14%
61-66
View
▼
APR5.14%
Term61-66
Last UpdatedApr 18, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
View
▼
APR5.15%
Term36 - 120 months
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
5.19%
61-72
View
▼
APR5.19%
Term61-72
Last UpdatedApr 18, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.19%
61-72
View
▼
APR5.19%
Term61-72
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2025 and newer

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
5.20%
84 Months
View
▼
APR5.20%
Term84 Months
Last UpdatedApr 18, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.20%
60 Months
View
▼
APR5.20%
Term60 Months
Last UpdatedApr 18, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
5.20%
48 Months
View
▼
APR5.20%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 48
5.20%
48 Months
View
▼
APR5.20%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
Used Auto Loans
5.24%
12 to 36
View
▼
APR5.24%
Term12 to 36
Last UpdatedApr 18, 2026
Details

100% of MSRP/NADA Value

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.24%
67-75
View
▼
APR5.24%
Term67-75
Last UpdatedApr 18, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedApr 19, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 22, 2026
Details

As Low As; Learn More

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 22, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 22, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2021 - 2020
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.25%
5 Years
View
▼
APR5.25%
Term5 Years
Last UpdatedApr 19, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.25%
2 Years
View
▼
APR5.25%
Term2 Years
Last UpdatedApr 19, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.35%
24 months
View
▼
APR5.35%
Term24 months
Last UpdatedApr 17, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 18, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles 72
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan 2022 - 2021
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $7,000 loan

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2020-2025

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
View
▼
APR5.49%
Term75 months
Last UpdatedApr 19, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto APR1
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.49%
36 months
View
▼
APR2.49%
Term36 months
Last UpdatedApr 17, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedApr 17, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedApr 17, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.75%
72 months
View
▼
APR3.75%
Term72 months
Last UpdatedApr 17, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
4.75%
75 Months
View
▼
APR4.75%
Term75 Months
Last UpdatedApr 18, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedApr 17, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedApr 17, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 2026
Details

Vehicle model years 2020-2022; Limited time offer

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New Auto Loans (Models 2024 and Newer)
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New Auto Loans (Models 2024 and Newer)
5.99%
Up to 84 months
View
▼
APR5.99%
TermUp to 84 months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
9.74%
96 Months
View
▼
APR9.74%
Term96 Months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New Auto Loans (Models 2024 and Newer)
9.99%
Up to 96 months
View
▼
APR9.99%
TermUp to 96 months
Last UpdatedApr 18, 2026
Details

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
2.74%
Up to 60 Months
View
▼
APR2.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
2.74%
Up to 60 Months
View
▼
APR2.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2025 & newer

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.24%
0-36
View
▼
APR3.24%
Term0-36
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2025 and newer

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
3.50%
36-60
View
▼
APR3.50%
Term36-60
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
3.74%
61 to 72 Months
View
▼
APR3.74%
Term61 to 72 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
3.74%
61 to 72 Months
View
▼
APR3.74%
Term61 to 72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
3.89%
Up to 36 months
View
▼
APR3.89%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2025 and newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2025 & newer

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $29.43

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedApr 19, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedApr 18, 2026
Details

100% Financing

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
View
▼
APR4.20%
Term12 - 96
Last UpdatedApr 19, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles 36
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.25%
2 Years
View
▼
APR4.25%
Term2 Years
Last UpdatedApr 19, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.39%
2025 Mo
View
▼
APR4.39%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.40%
48 Months
View
▼
APR4.40%
Term48 Months
Last UpdatedApr 18, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
View
▼
APR4.50%
Termup to 6 yrs
Last UpdatedApr 18, 2026
Details

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New Auto Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedApr 19, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.52%
2025 Mo
View
▼
APR4.52%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.55%
48 Months
View
▼
APR4.55%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles 48
4.55%
48 Months
View
▼
APR4.55%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.59%
48 months
View
▼
APR4.59%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 months
View
▼
APR4.59%
Term48 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $22.91

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 months
View
▼
APR4.69%
Term60 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $18.70

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.70%
60 Months
View
▼
APR4.70%
Term60 Months
Last UpdatedApr 18, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.74%
2025 Mo
View
▼
APR4.74%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Auto Loans
4.74%
12 to 36
View
▼
APR4.74%
Term12 to 36
Last UpdatedApr 18, 2026
Details

100% of MSRP/NADA Value

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2025 and newer

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 19, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
View
▼
APR4.75%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
View
▼
APR4.75%
Term36 - 120 months
Last UpdatedApr 19, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.75%
3 Years
View
▼
APR4.75%
Term3 Years
Last UpdatedApr 19, 2026
Details

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
View
▼
APR4.85%
Term60 months
Last UpdatedApr 19, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.89%
60 months
View
▼
APR4.89%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $7,000 loan

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 18, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New Automobile greater than
4.99%
60 - 84 months
View
▼
APR4.99%
Term60 - 84 months
Last UpdatedApr 17, 2026
Details

$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2025 & newer

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
View
▼
APR4.99%
Termflexible terms available
Last UpdatedApr 19, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedApr 19, 2026
Details

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details

As Low As

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used Vehicles
5.00%
96 Months
View
▼
APR5.00%
Term96 Months
Last UpdatedApr 19, 2026
Details

Up to 96 Month Term

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedApr 19, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
5.09%
37 - 48 months
View
▼
APR5.09%
Term37 - 48 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loan
5.10%
66 Months
View
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to $25,000

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Same as New Auto Loan
5.10%
66 Months
View
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.10%
60 Months
View
▼
APR5.10%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles 60
5.10%
60 Months
View
▼
APR5.10%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.19%
61-72
View
▼
APR5.19%
Term61-72
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2025 and newer

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
5.20%
84 Months
View
▼
APR5.20%
Term84 Months
Last UpdatedApr 18, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 22, 2026
Details

As Low As; Learn More

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 22, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.25%
5 Years
View
▼
APR5.25%
Term5 Years
Last UpdatedApr 19, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles 72
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2025 & newer

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
View
▼
APR5.49%
Term75 months
Last UpdatedApr 19, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.49%
36 months
View
▼
APR2.49%
Term36 months
Last UpdatedApr 17, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedApr 17, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedApr 17, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.75%
72 months
View
▼
APR3.75%
Term72 months
Last UpdatedApr 17, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48 Months
View
▼
APR3.99%
Term0-48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.24%
49-60 Months
View
▼
APR4.24%
Term49-60 Months
Last UpdatedApr 19, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.49%
0-48 Months
View
▼
APR4.49%
Term0-48 Months
Last UpdatedApr 19, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedApr 18, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Used Auto Loans
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.74%
49-60 Months
View
▼
APR4.74%
Term49-60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.74%
61-66 Months
View
▼
APR4.74%
Term61-66 Months
Last UpdatedApr 19, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
4.75%
75 Months
View
▼
APR4.75%
Term75 Months
Last UpdatedApr 18, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedApr 17, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Used Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 2026
Details

Vehicle model years 2020-2022; Limited time offer

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Used Auto Loans
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedApr 18, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
5.24%
61-66 Months
View
▼
APR5.24%
Term61-66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
5.24%
72-77 Months
View
▼
APR5.24%
Term72-77 Months
Last UpdatedApr 19, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
5.74%
67-72 Months
View
▼
APR5.74%
Term67-72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
5.74%
73-78 Months
View
▼
APR5.74%
Term73-78 Months
Last UpdatedApr 19, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Used Auto Loans
5.99%
Up to 84 months
View
▼
APR5.99%
TermUp to 84 months
Last UpdatedApr 18, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
6.24%
79-84 Months
View
▼
APR6.24%
Term79-84 Months
Last UpdatedApr 19, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
New & Used Auto Loan Refinance
9.74%
96 Months
View
▼
APR9.74%
Term96 Months
Last UpdatedApr 18, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2020-2025

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto Loan
3.25%
12-60
View
▼
APR3.25%
Term12-60
Last UpdatedApr 17, 2026
Details

As Low As

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
3.50%
36-60
View
▼
APR3.50%
Term36-60
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2024
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2020-2025

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
3.99%
36-60
View
▼
APR3.99%
Term36-60
Last UpdatedApr 19, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedApr 19, 2026
Details

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
View
▼
APR4.20%
Term12 - 96
Last UpdatedApr 19, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto Loan
4.25%
72-120
View
▼
APR4.25%
Term72-120
Last UpdatedApr 17, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.29%
Up to 36 months
View
▼
APR4.29%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.29%
72 Months
View
▼
APR4.29%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedApr 19, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 months
View
▼
APR4.60%
Term36 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $29.72

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedApr 18, 2026
Details

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar Used Vehicle Rate
4.74%
Up to 60 Months
View
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
Used Vehicles
4.74%
Up to 60 Months
View
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.74%
2024 Mo
View
▼
APR4.74%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2023 - 2022
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 36
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.79%
84 Months
View
▼
APR4.79%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
View
▼
APR4.85%
Term60 months
Last UpdatedApr 19, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.87%
2024 Mo
View
▼
APR4.87%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
View
▼
APR4.90%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedApr 18, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 months
View
▼
APR4.94%
Term48 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $23.00

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.99%
49 - 60 months
View
▼
APR4.99%
Term49 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $7,000 loan

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2020-2025

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
View
▼
APR4.99%
Termflexible terms available
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedApr 19, 2026
Details

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details

As Low As

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used Vehicles
5.00%
96 Months
View
▼
APR5.00%
Term96 Months
Last UpdatedApr 19, 2026
Details

Up to 96 Month Term

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 months
View
▼
APR5.04%
Term60 months
Last UpdatedApr 22, 2026
Details

As Low As; Monthly Payment Per $1,000 Borrowed: $18.83

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
5.09%
2024 Mo
View
▼
APR5.09%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Same as New Auto Loan
5.10%
66 Months
View
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
View
▼
APR5.15%
Term36 - 120 months
Last UpdatedApr 19, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.20%
60 Months
View
▼
APR5.20%
Term60 Months
Last UpdatedApr 18, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
5.20%
48 Months
View
▼
APR5.20%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 48
5.20%
48 Months
View
▼
APR5.20%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
Used Auto Loans
5.24%
12 to 36
View
▼
APR5.24%
Term12 to 36
Last UpdatedApr 18, 2026
Details

100% of MSRP/NADA Value

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedApr 19, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 22, 2026
Details

As Low As; Learn More

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 22, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2021 - 2020
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.25%
2 Years
View
▼
APR5.25%
Term2 Years
Last UpdatedApr 19, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $1,000 loan

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 18, 2026
Details

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; - Minimum of $7,000 loan

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 2026
Details

As Low As; Modal Year: 2020-2025

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto APR1
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

Richmond, VA Auto Loan Rate Trends

Compare local Richmond, 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
5.125%
▼ 0.752 vs 7 days ago

Virginia new auto rates fell 0.752 points over the past 7 days to 5.125% APR.

Used Auto Loan — VA Avg
6.060%
▼ 0.549 vs 7 days ago

Virginia used auto rates fell 0.549 points over the past 7 days to 6.060% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Richmond, 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 Richmond, 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 Richmond, 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.

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

Based on our current data, some of the lowest auto loan rates available in Richmond, Virginia include:
  • Richmond Heritage Federal Credit Union: 2.49% (New and Used Vehicles)
  • FRB Federal Credit Union: 3.99% (New Auto)
  • 1st Advantage Federal Credit Union: 3.99% (New & Used Auto Loan Refinance)
  • Credit Union of Richmond: 3.99% (Used Auto Purchase and Refinance (2023-2027))
  • TruEnergy Federal Credit Union: 2.74% (New Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Richmond, Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 22, 2026

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