Auto Loan Rates in Roanoke, Virginia (VA) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Roanoke, Virginia include Pen Air Credit UnionPen Air Credit Union7635 Plantation Rd, Roanoke, VA, 24019A+5.0 ★Texas Ratio: 2.78% offering New Auto/Truck at 4.74%, Roanoke Valley Community Federal Credit UnionRoanoke Valley Community Federal Credit Union723 5th St NE, Roanoke, VA, 24016 2123A+5.0 ★Texas Ratio: 4.47% offering Auto Loan 2023 - current at 4.99%, Blue Eagle Credit UnionBlue Eagle Credit Union419 Rutherford Ave NE, Roanoke, VA, 24022A+5.0 ★Texas Ratio: 0.28% offering New and Used Vehicle at 5.00%, InFirst Federal Credit UnionInFirst Federal Credit Union5005 Melrose Ave NW, Roanoke, VA, 24017 2339A+5.0 ★Texas Ratio: 3.43% offering NEW and USED Auto Loans at 5.49%, ValleyStar Credit UnionValleyStar Credit Union3452 Buck Mountain Rd, Roanoke, VA, 24018A5.0 ★Texas Ratio: 6.30% offering New Vehicle^ (Never titled) Loan at 6.49%. Auto loan rates as of June 3, 2026 according to verified data from MonitorBankRates.
Roanoke has 6 local institutions in our database, with auto loan rates as low as 4.74% APR from Pen Air Credit Union at 7635 Plantation Rd, Roanoke, VA, 24019. 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 Roanoke, Virginia. Auto Loan Rates Last Updated and Verified: June 3, 2026
Compare Auto Loan Rates Today in Roanoke, Virginia & Surrounding Area
Roanoke Auto Loan Rates
Up to 96 Month Term
As Low As; APR= Annual Percentage Rate. The APR listed is the lowest available rate for the term. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income, and other qualifications. Not all members will qualify. Discounts may be available. The lowest rate available, including with discounts is 5.49% APR. Payment example: 36 monthly payments of $31.10 per $1,000.00 borrowed at 7.49% APR. At no time can the discounted loan rate be lower than the credit union's designated floor rate.
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As Low As; APR - 2026 & Newer
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As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
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Vehicle model years 2023 or newer; Limited time offer
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As Low As; - Minimum of $1,000 loan
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100% Financing
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As Low As; - Minimum of $1,000 loan
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As Low As; ***; Maximum: $150,000
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100% financing available for new and used auto, truck and motorcycle purchases.
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As Low As; APR - 2023 - 2025*
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As Low As; Minimum loan of $5,000
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As Low As; Up to 84 Months
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Rate based on evaluation of credit history
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As Low As; 2025 and newer
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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.
As Low As; Minimum loan of $5,000
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; ***; Maximum: $150,000
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As Low As; ***; Loan Amounts: Maximum: $75,000
As Low As; Maximum Loan Amount: $75,000
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As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Vehicle model years 2023 or newer; Limited time offer
100% financing available for new and used auto, truck and motorcycle purchases.
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As Low As; - Minimum of $1,000 loan
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As Low As; APR - 2023 - 2025*
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$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000
Rate based on evaluation of credit history
As Low As; Model Year 2019-2024
As Low As; Modal Year 2025 & newer
As Low As; Modal Year 2020-2025
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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.
New Auto, 12-60 Month Term
As Low As; Minimum loan of $15,000
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
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As Low As; Up to 84 Months
100% financing available for new and used auto, truck and motorcycle purchases.
As Low As; - Minimum of $1,000 loan
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As Low As; Up to $25,000
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
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Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Rate based on evaluation of credit history
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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.
As Low As; Minimum loan of $25,000; vehicle must be current or previous model year.
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
APR as low as
As Low As; ***; Maximum: $150,000
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As Low As; ***; Loan Amounts: Maximum: $75,000
As Low As; Maximum Loan Amount: $75,000
As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
over $12,000; As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
over $12,000; As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
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Roanoke New Auto Auto Loan Rates
Up to 96 Month Term
As Low As; APR= Annual Percentage Rate. The APR listed is the lowest available rate for the term. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income, and other qualifications. Not all members will qualify. Discounts may be available. The lowest rate available, including with discounts is 5.49% APR. Payment example: 36 monthly payments of $31.10 per $1,000.00 borrowed at 7.49% APR. At no time can the discounted loan rate be lower than the credit union's designated floor rate.
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As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
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As Low As; 2025 and newer
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100% Financing
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As Low As; - Minimum of $1,000 loan
As Low As; Minimum loan of $5,000
As Low As; ***; Maximum: $150,000
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100% financing available for new and used auto, truck and motorcycle purchases.
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As Low As; Minimum loan of $5,000
As Low As; ***; Maximum: $150,000
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As Low As; Up to 84 Months
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Rate based on evaluation of credit history
As Low As; 2025 and newer
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As Low As; Minimum loan of $5,000
As Low As; ***; Maximum: $150,000
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As Low As
As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
100% financing available for new and used auto, truck and motorcycle purchases.
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As Low As; - Minimum of $1,000 loan
As Low As
$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000
Rate based on evaluation of credit history
As Low As; Modal Year 2025 & newer
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As Low As; Minimum loan of $15,000
As Low As; ***; Maximum: $150,000
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100% financing available for new and used auto, truck and motorcycle purchases.
As Low As; Up to $25,000
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
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As Low As; 2025 and newer
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Rate based on evaluation of credit history
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As Low As; Minimum loan of $25,000; vehicle must be current or previous model year.
APR as low as
As Low As; ***; Maximum: $150,000
As Low As
As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
100% financing available for new and used auto, truck and motorcycle purchases.
Roanoke Used Auto Auto Loan Rates
Up to 96 Month Term
As Low As; APR= Annual Percentage Rate. The APR listed is the lowest available rate for the term. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income, and other qualifications. Not all members will qualify. Discounts may be available. The lowest rate available, including with discounts is 5.49% APR. Payment example: 36 monthly payments of $31.10 per $1,000.00 borrowed at 7.49% APR. At no time can the discounted loan rate be lower than the credit union's designated floor rate.
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As Low As; Modal Year 2020-2025
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As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As; Model Year 2019-2024
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As Low As; Modal Year 2020-2025
Vehicle model years 2023 or newer; Limited time offer
As Low As
As Low As; - Minimum of $1,000 loan
As Low As; - Minimum of $1,000 loan
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As Low As; Model Year 2019-2024
As Low As; ***; Loan Amounts: Maximum: $75,000
As Low As; Maximum Loan Amount: $75,000
As Low As; - Minimum of $1,000 loan
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As Low As; - Minimum of $1,000 loan
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Rate based on evaluation of credit history
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.
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; ***; Loan Amounts: Maximum: $75,000
As Low As; Maximum Loan Amount: $75,000
As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Vehicle model years 2023 or newer; Limited time offer
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Rate based on evaluation of credit history
As Low As; Model Year 2019-2024
As Low As; Modal Year 2020-2025
As Low As
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.
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; ***; Loan Amounts: Maximum: $75,000
As Low As; Maximum Loan Amount: $75,000
As Low As; - Minimum of $1,000 loan
As Low As
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
As Low As
As Low As
Rate based on evaluation of credit history
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.
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
As Low As; ***; Loan Amounts: Maximum: $75,000
As Low As; Maximum Loan Amount: $75,000
As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
over $12,000; As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
over $12,000; As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
100% financing available for new and used auto, truck and motorcycle purchases.
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Roanoke, VA Auto Loan Rate Trends
Compare local Roanoke, 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 fell 0.170 points over the past 7 days to 5.204% APR.
Virginia used auto rates fell 0.047 points over the past 7 days to 6.070% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Roanoke, 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 Roanoke, 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 Roanoke, 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 Roanoke, Virginia
How does my credit score affect my car loan rate in Virginia?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Roanoke, Virginia?
- Pen Air Credit Union: 4.74% (New Auto/Truck)
- Roanoke Valley Community Federal Credit Union: 4.99% (Auto Loan 2023 - current)
- Blue Eagle Credit Union: 5.00% (New and Used Vehicle)
- InFirst Federal Credit Union: 5.49% (NEW and USED Auto Loans)
- ValleyStar Credit Union: 6.49% (New Vehicle^ (Never titled) Loan)
