Vehicle Loans in Charlotte, NC

Looking for cheap car finance in Charlotte, NC? Compare local loan offers from trusted lenders who know our community and offer low rates tailored to your budget. Whether new or used, finding the right loan has never been easier or more affordable.

Get quick approvals and friendly service from Charlotte’s credit unions and banks that put you first. Save time and money by comparing your options side-by-side—so you can drive away with confidence and keep more cash in your pocket.

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Lender
APR
Term
Link
Info
affinityplus
4.74 %
3 - 7 Yrs
advancial
4.83 - 5.91 %
3 - 5 Yrs
affinityfcu
4.94 - 6.62 %
3 - 8 Yrs
dupaco
4.99 - 5.39 %
4 - 7 Yrs
dcu
4.99 - 10.74 %
3 - 10 Yrs
centra
4.99 - 14.09 %
4.5 - 7 Yrs
americafirst
4.99 - 7.74 %
5 - 8 Yrs
firsttechfed
4.99 - 6.99 %
5.4 - 7 Yrs
corningcu
5.49 - 17.49 %
langleyfcu
5.5 %
1 - 6.2 Yrs

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Affinity Plus has auto loans with APRs ranging from 4.74% to 6.24% and motorcycle loans from 4.74% to 7.24% . Unchanged in the past 7 or 60 days. Recreational loans range from 5.49% to 8.24% , also showing no change over the same periods. Advancial's auto loan rates range from 4.83% to 5.91% APR today, with no change from 7 days ago but up from 30 and 60 days ago. Other loan rates are between 6.31% and 7.66% APR, showing no change from 7 days ago and up from 90 days ago.

Affinity's auto loan rates range from 4.94% to 7.55% APR today. These rates are unchanged from 7 and 30 days ago but are down from 60 and 90 days ago. Dupaco Community's auto loans with APRs ranging from 4.99% to 8.39% and recreational loans from 7.09% to 10.04% . Unchanged compared to 7 and 30 days ago. Both loan types have steady rates across all recent periods. Digital has vehicle loan rates ranging from 4.99% to 10.74% for auto loans and 6.25% to 11.35% for motorcycle loans. These rates have shown no change compared to 7 and 30 days ago. Recreational loan rates also remain steady between 8.99% and 11.35% .

Centra's auto loan rates range from 4.99% to 16.79% APR today, with no change from 7 or 30 days ago but down from 60 and 90 days ago. Other loan rates are between 6.75% and 19.25% APR, showing no change from 7 and 30 days ago and down from 90 days ago. America First's auto loans with APRs ranging from 4.99% to 7.74% , showing no change from 7 or 30 days ago. Recreational vehicle loans have rates between 7.49% and 7.89% , which are also unchanged from a week and a month earlier.

First Technology's auto loans with APRs ranging from 4.99% to 6.99% , which are unchanged from 7 and 30 days ago but down from 30 days ago. Motorcycle loans have rates between 6.74% and 7.24% , showing no change over the past 90 days. Recreational loans range from 7.29% to 8.54% , also with no change in recent months. Corning's auto loan rates range from 5.49% to 17.49% APR with no change in the past 7, 30, or 60 days. Motorcycle loans have a steady rate of 6.49% APR, while recreational vehicle loans range from 6.99% to 8.74% APR, also showing no change over the same periods.

Langley's auto loan rates range from 5.5% to 6.74% APR today, with no change from 7 days ago but up from 30 days ago. Recreational loan rates are between 8.09% and 9.09% APR, also steady compared to 7 days ago but higher than 30 days ago.

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