Vehicle Loans in Memphis, TN

Searching for the best car loan APR rates in Memphis, TN? Compare offers from local lenders to find low rates that fit your budget and get you behind the wheel faster. It’s simple to see who can offer you the best deal on new or used vehicles right here in Memphis.

Whether you’re buying your first car or upgrading, local credit unions and banks know Memphis drivers and offer competitive rates with friendly service. Take a moment to compare and choose a loan that keeps your payments affordable and puts you in control of your ride.

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Filters

Lender
APR
Term
Link
Info
aacreditunion
3.84 - 4.59 %
5 Yrs
∞
navyfederal
3.89 - 9.9 %
1 - 15 Yrs
∞
orionfcu
3.95 %
7 Yrs
∞
leaderscu
3.99 %
3 - 8 Yrs
∞
sdfcu
3.99 - 4.49 %
3 - 7 Yrs
∞
deltacommunitycu
3.99 - 16.09 %
0.1 - 7 Yrs
∞
ngfcu
4.24 - 5.79 %
3 - 7 Yrs
∞
firefightersfirstcu
4.24 - 5.49 %
2 - 7 Yrs
∞
penfed
4.34 - 6.24 %
3 - 7 Yrs
∞
firstsouth
4.49 %
7 Yrs
∞

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-SEP-20

Credit Union Loan Rates - Trends & Analysis:

American Airlines has auto loan rates ranging from 3.34% to 4.59% APR with no change from 7 or 30 days ago. Recreational vehicle loans have rates between 5.59% and 6.34% APR, also showing no change over the past 7 and 30 days. Navy Federal Credit Union's auto loans range from 3.89% to 9.9% , with no change from 7 or 30 days ago. Motorcycle loans range from 7.45% to 10.05% APR and have stayed the same over the past 7 and 30 days. Recreational loans also show no change, with rates between 6.95% and 9.9% .

Orion's auto loan has a 3.95% APR today, which is unchanged from 7 and 30 days ago but up from 30 days ago. The rate has stayed steady over the past week after rising from earlier months. Leaders Credit Union has an auto loan rate of 3.99% APR with no change over the past 90 days. Motorcycle loans are at 8.04% APR, also unchanged. Recreational vehicle loans range from 6.49% to 6.99% APR and have stayed steady for the last 60 days. State Department's auto loan rates range from 3.99% to 4.49% APR today. The rates are down compared to 7 and 30 days ago, while showing no change from 60 and 90 days ago.

Delta Community's auto loans with APRs ranging from 3.99% to 16.09% , which is down from 7 and 30 days ago. Their other loan rates range from 3.99% to 17.59% and have also decreased compared to a week and a month ago. Northrop Grumman's auto loan rates range from 4.24% to 5.79% APR today. Unchanged compared to 7 and 30 days ago, as well as 60 and 90 days ago. Firefighters First's auto loans with APRs ranging from 4.24% to 5.49% , and recreational vehicle loans with rates between 7.49% and 8.99% . Unchanged over the past 7, 30, or 60 days.

Pentagon's auto loan rates range from 3.39% to 6.24% APR today. Unchanged compared to 7, 30, 60, or 90 days ago. First South Financial has an auto loan rate of 4.49% APR, which has not changed in the past 7 or 30 days. Recreational loans have a rate of 10.1% APR, and other loans are at 10.35% APR, both remaining steady over the same periods.

🏦 Local Lenders in Memphis, TN

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Shelby County, TN

✅METHODIST HEALTHCARE FEDERAL CREDIT UNION
✅FEDEX EMPLOYEES CREDIT ASSOCIATION FEDERAL CREDIT UNION
✅FIRST SOUTH FINANCIAL FEDERAL CREDIT UNION
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✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION
✅FEDTRUST FEDERAL CREDIT UNION
✅SHELBY COUNTY FEDERAL CREDIT UNION
✅TVA MIDSOUTH CREDIT UNION
✅U T CREDIT UNION
✅ORION FEDERAL CREDIT UNION
✅SOUTHERN SECURITY FEDERAL CREDIT UNION
✅OLIVET BAPTIST CREDIT UNION
✅HOPE 24829 CREDIT UNION
✅KENNEDY VA EMPLOYEES FEDERAL CREDIT UNION
✅KIMBERLY CLARK CREDIT UNION
✅BULAB EMPLOYEES FEDERAL CREDIT UNION
✅MEMPHIS CITY EMPLOYEES CREDIT UNION
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✅NUCOR EMPLOYEES FEDERAL CREDIT UNION
✅DELTA REFINING CO EMP FEDERAL CREDIT UNION
✅UPS EMPLOYEES CREDIT UNION
✅KELLOGG MEMPHIS EMPLOYEES FEDERAL CREDIT UNION
✅OWENSBORO FEDERAL CREDIT UNION
✅ESPEECO FEDERAL CREDIT UNION
✅SOUTHEAST FINANCIAL CREDIT UNION
✅MEMPHIS MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION
✅CNIC EMPLOYEES CREDIT UNION
✅KEMBA DELTA FEDERAL CREDIT UNION
✅FIREFIGHTERS FIRST FEDERAL CREDIT UNION
✅LEADERS CREDIT UNION CREDIT UNION

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