Current auto loan rates in West Virginia include WEPCO Federal Credit UnionWEPCO Federal Credit Union459 New Creek Hwy, Keyser, WV, 26726 9537A+5.0 ★Texas Ratio: 3.70% offering New or Used Vehicle Loans at 2.49%, Ohio County Public Schools Federal Credit UnionOhio County Public Schools Federal Credit Union280 FULTON ST, WHEELING, WV, 26003A+5.0 ★Texas Ratio: 0.00% offering New Vehicle - Model Year New -2020 or if Untitled at 2.50%, First Priority Federal Credit UnionFirst Priority Federal Credit Union500 Virginia Ave, Huntington, WV, 25701A+5.0 ★Texas Ratio: 2.97% offering Used Auto - 2023 at 2.99%, West Virginia Central Federal Credit UnionWest Virginia Central Federal Credit Union809 Division St, Parkersburg, WV, 26101 6048A+5.0 ★Texas Ratio: 2.53% offering Vehicle Loans at 3.00%, Members Choice WV Federal Credit UnionMembers Choice WV Federal Credit Union201 Ohio Ave, Charleston, WV, 25302 2209A+5.0 ★Texas Ratio: 2.17% offering Auto Loan Special at 3.99%. Auto loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across West Virginia side-by-side. West Virginia auto loan rates currently start as low as 2.49% APR from WEPCO Federal Credit Union at 459 New Creek Hwy, Keyser, WV, 26726 9537. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in West Virginia. Auto Loan Rates Last Updated and Verified: May 10, 2026
As Low As
As Low As
As Low As
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As
As Low As; Loans are subject to credit approval.
As Low As; Models 2024 -2026 New or Used
As Low As
Score: 730 +; Grade of Paper: Platinum
Months
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Months
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Months
Credit Rating A+
Score: 730 +; Grade of Paper: Platinum
As Low As
As Low As
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Months
Credit Rating A
Score: 730 +; Grade of Paper: Platinum
Up to 48 Months
Up to 48 Months
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Score: 640 - 679; Grade of Paper: B
Months1
1-2 Model Years old
Credit Rating A
As Low As
As Low As
As Low As
As Low As
As Low As
1-2 Model Years old
Credit Rating B
Score: 640 - 679; Grade of Paper: B
As Low As
As Low As
3-5 Model Years old
Credit Rating B
Credit Rating A+
Score: 730 +; Grade of Paper: Platinum
As Low As
As Low As
As Low As
Credit Rating A
Score: 680 - 729; Grade of Paper: A
Up to 36 Months
Up to 60 Months
Up to 60 Months
As Low As
As Low As
As Low As
Up to 72 Months
Up to 72 Months
Models 2023-2021
6-8 Model Years old
Credit Rating C
Credit Rating A
Score: 640 - 679; Grade of Paper: B
As Low As
As Low As; APR shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing.
As Low As
As Low As
Models 2020-2018
Credit Rating B
Score: 600 - 639; Grade of Paper: C
As Low As; APR shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing.
As Low As
Credit Rating C
Credit Rating B
Credit Rating A+
As Low As; APR shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing.
As Low As
As Low As
As Low As
As Low As
9-20 Model Years old#
Credit Rating D
Credit Rating B
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
Credit Rating C
Score: 600 - 639; Grade of Paper: C
As Low As; Models 2024 -2026 New or Used
Credit Rating C
Credit Rating C
As Low As
As Low As
As Low As
As Low As
As Low As; Model 2018
Credit Rating D
Credit Rating C
As Low As
As Low As
Credit Rating C
As Low As
Credit Rating C
Score: 550 - 599; Grade of Paper: D
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Models 2024 -2026 New or Used
As Low As
Months
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Months
As Low As
As Low As
As Low As
As Low As
Months
Credit Rating A+
As Low As; Minimum Financing of $25,000 for 84 Months
Months
Credit Rating A
Up to 48 Months
As Low As
As Low As
Months1
Credit Rating A
As Low As
Credit Rating B
Credit Rating B
Credit Rating A+
Credit Rating A
Up to 60 Months
As Low As
Up to 72 Months
Credit Rating C
Credit Rating A
Credit Rating B
Credit Rating C
Credit Rating B
Credit Rating A+
Credit Rating D
Credit Rating B
Credit Rating C
As Low As; Models 2024 -2026 New or Used
Credit Rating C
Credit Rating C
As Low As; Model 2018
Credit Rating D
Credit Rating C
Credit Rating C
Credit Rating C
As Low As
As Low As
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Models 2024 -2026 New or Used
As Low As
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As
As Low As
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Up to 48 Months
As Low As
As Low As
As Low As
1-2 Model Years old
As Low As
As Low As
1-2 Model Years old
3-5 Model Years old
Credit Rating A+
Credit Rating A
Up to 36 Months
Up to 60 Months
As Low As
As Low As
Up to 72 Months
Models 2023-2021
6-8 Model Years old
Credit Rating A
As Low As
Models 2020-2018
Credit Rating B
As Low As
Credit Rating B
Credit Rating A+
As Low As
As Low As
9-20 Model Years old#
Credit Rating B
As Low As; Minimum Financing of $10,000 for 60 Months
Credit Rating C
As Low As; Models 2024 -2026 New or Used
Credit Rating C
As Low As; Model 2018
Credit Rating C
As Low As
Credit Rating C
Credit Rating C
Compare local West Virginia 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.
West Virginia new auto rates fell 0.059 points over the past 7 days to 5.218% APR.
West Virginia used auto rates fell 0.032 points over the past 7 days to 6.379% APR.