Vehicle Loans in Muscle Shoals, AL

Searching for the best auto loan deals in Muscle Shoals, AL? Compare offers from trusted local lenders to find flexible terms and rates that fit your budget. We make it simple to explore your options and choose the loan that gets you driving sooner.

Whether you’re buying new, used, or refinancing, Muscle Shoals drivers can benefit from quick approvals and personalized service. Discover competitive rates from community-backed lenders who understand your needs and want to help you hit the road with confidence.

Today’s Vehicle Loan Rates & Analysis - Updated on 2025-OCT-11

Credit Union Loan Rates - Trends & Analysis:

Tyndall s auto loans with an APR range from 3.24% to 7.24% . The rates have stayed the same compared to both 7 and 30 days ago. Baxter has auto loan rates ranging from 3.49% to 7.54% APR today. These rates are unchanged from 7 and 30 days ago but are down from 30 and 60 days ago. Delta Community vehicle loans range from 3.79% to 16.09% for auto loans and 3.79% to 17.49% for other loans. Rates are unchanged from 7 and 30 days ago but are down compared to 60 and 90 days ago for both loan types.

Keesler s auto loans with APRs ranging from 3.99% to 9.49% , showing no change from 7 days ago but an increase from 30 days ago. Motorcycle loans have rates between 6.49% and 8.49% , with no change compared to both 7 and 30 days ago. Recreational loans range from 5.74% to 9.24% , also with no change from 7 and 30 days ago. Consumers Credit Union’s auto loan rates range from 3.99% to 6.44% APR today. Unchanged compared to 7 and 30 days ago. American Airlines has auto loan rates ranging from 3.99% to 5.24% APR with no change in the past 7 or 30 days. Other loan rates are between 6.74% and 6.99% APR, also showing no change over the same periods.

Alabama One has an auto loan with a 3.99% APR today. This rate has not changed compared to 7 and 30 days ago. No term is listed for this loan. Pen Air s auto loans with rates ranging from 4.74% to 17.49% APR, which have not changed in the past 90 days. Motorcycle loans have a steady rate of 6.49% APR with no change in the last 7 days. Recreational loans are also at 6.49% APR today, holding steady compared to 7 days ago and down from a range that included 6.74% thirty days ago.

Northrop Grumman Auto loan rates range from 4.74% to 6.19% APR today. These rates are the same as 7 days ago, but down from 30 and 60 days ago. The 90–day rates were higher than today’s range. Alabama has auto loan rates ranging from 4.74% to 7.74% APR today. Unchanged compared to 7, 30, or 60 days ago. Affinity Plus has vehicle loan rates for Auto loans ranging from 4.74% to 6.49% APR and Other loans from 5.49% to 7.74% APR. Unchanged over the past 7 or 30 days. Recreational loan rates also remain steady, with a range of 4.74% to 10.49% APR.

Avadian has auto loan rates ranging from 4.85% to 10.49% APR today. These rates show no change from seven days ago. Affinity has auto loan rates ranging from 4.94% to 7.8% APR today. These rates are down from 7 and 30 days ago, when the range was 4.94% to 9.26% . All In has auto loans with APRs ranging from 4.99% to 8.49% , which have stayed the same over the past 7 and 30 days. Their other loan rates range from 8.74% to 12.74% , also showing no change in the last week.

🏦 All Local Lenders in Muscle Shoals, AL

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
FAMILY SECURITY CREDIT UNION	2015 AVALON AVE MUSCLE SHOALS AL 35661	⏰ Monday - Friday 9:00 to 5:00 Saturday Drive-Thru Only 9:00 to 12:00 📞 2563818094 📠 2563539740	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements	Assets: $964,947,655 Deposits: $197,363,758 Net Worth: $179,354,245 Employees: 224 Members: 88,846
ALABAMA CENTRAL CREDIT UNION	743 AVALON AVE MUSCLE SHOALS AL 35661	⏰ Lobby M-F 9-5 Drive Thru M-F 9-5 📞 2563811914 📠 2055958078	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $199,689,295 Deposits: $16,974,971 Net Worth: $17,998,825 Employees: 56 Members: 21,533
VALLEY CREDIT UNION	2500 AVALON AVE MUSCLE SHOALS AL 35661	⏰ MONDAY - THURSDAY 8:45-4:30 FRIDAY 8:45-5:00 📞 2563813335 📠 2563814831	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements	Assets: $103,092,984 Deposits: $7,541,223 Net Worth: $14,815,120 Employees: 31 Members: 5,857
RAILWAY EMPLOYEES CREDIT UNION	1604 GUSMUS AVE MUSCLE SHOALS AL 35661	⏰ Monday thru Thursday 9 a.m. to 4 p.m. Friday 9 a.m. to 5 p.m. 📞 2563837940 📠 2563838225	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru E-Statements	Assets: $18,248,897 Deposits: $1,002,125 Net Worth: $4,312,902 Employees: 2 Members: 1,398
LISTERHILL CREDIT UNION	4790 2ND ST MUSCLE SHOALS AL 35661	⏰ 8:00 - 4:30 Monday through Friday 8:30 - 12:00 Saturday 📞 2563839204 📠 2563146502	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,401,006,047 Deposits: $161,594,605 Net Worth: $151,107,184 Employees: 285 Members: 93,981
LISTERHILL CREDIT UNION	1812 WOODWARD AVE MUSCLE SHOALS AL 35661	⏰ M-F 9-5Sat 830-12 📞 2563839204 📠 2563146502	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,401,006,047 Deposits: $161,594,605 Net Worth: $151,107,184 Employees: 285 Members: 93,981
TVA COMMUNITY CREDIT UNION CREDIT UNION	1010 RESERVATION ROAD MUSCLE SHOALS AL 35661	⏰ M-F 8:30am - 5:00pm 📞 2563863000 📠 2563861257	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $400,893,601 Deposits: $18,003,558 Net Worth: $70,602,964 Employees: 76 Members: 19,762
TVA COMMUNITY CREDIT UNION CREDIT UNION	1405 S WILSON DAM RD MUSCLE SHOALS AL 35661	⏰ 8:30 - 5:00 M-F 📞 2563831019 📠 2563861257	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $400,893,601 Deposits: $18,003,558 Net Worth: $70,602,964 Employees: 76 Members: 19,762

🏘️ All the Lenders Available in Colbert County, AL

✅VALLEY 60930 CREDIT UNION

✅ELECTRICAL WORKERS NO 558 FEDERAL CREDIT UNION

✅LISTERHILL CREDIT UNION

✅TVA COMMUNITY CREDIT UNION CREDIT UNION

✅FAMILY SECURITY CREDIT UNION

✅ALABAMA CENTRAL CREDIT UNION

✅RAILWAY EMPLOYEES CREDIT UNION

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