Introduction
On July 16, 2025, vehicle shoppers and riders are in a great position to score competitive financing deals. The lowest auto loan rate today is an impressive 3.64% APR at Baxter Credit Union, offering a standout opportunity for buyers seeking budget-friendly car loans. Motorcycle enthusiasts can find attractive options too, with rates starting as low as 5.19% at First Flight Federal Credit Union. While most credit unions have held steady over the past month, it’s worth noting that some programs like Blaze Auto loans maintain solid rates around 4.75% to 7.90%, providing flexibility depending on your credit profile and loan term. Whether you’re eyeing a family SUV or your dream motorcycle, now is a smart time to explore your financing options and lock in today’s best rates before any market shifts.
Used - Vehicle Loans
Credit Union
Product
2025-07-16
(Current Day)
(Current Day)
2025-07-09
(7 Days Ago)
(7 Days Ago)
2025-07-01
(15 Days Ago)
(15 Days Ago)
2025-06-16
(30 Days Ago)
(30 Days Ago)
2025-06-01
(45 Days Ago)
(45 Days Ago)
2025-05-17
(60 Days Ago)
(60 Days Ago)
Baxter
Auto
3.64
3.64
3.64
Baxter
Other
6.49
6.49
6.49
Americas Credit Union
Auto
4.46 - 13.93
4.46 - 13.93
4.46 - 13.93
4.46 - 13.93
4.46 - 13.93
4.46 - 13.93
Americas Credit Union
Motorcycle
8.05 - 11.49
8.05 - 11.49
8.05 - 11.49
8.05 - 11.49
8.05 - 11.49
8.05 - 11.49
Americas Credit Union
Recreational
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
American Airlines
Auto
4.49 - 5.24
4.49 - 5.24
State Employees CU Of Maryland Inc
Auto
4.49 - 6.24
4.49 - 6.24
4.49 - 6.24
Tower
Auto
4.74 - 7.49
4.74 - 7.49
Blaze
Auto
4.75 - 7.90
4.75 - 7.90
California Coast
Auto
4.78 - 8.48
4.78 - 8.48
California Coast
Motorcycle
6.88 - 8.38
6.88 - 8.38
California Coast
Other
6.98 - 7.98
6.98 - 7.98
California Coast
Recreational
6.88 - 8.38
6.88 - 8.38
Northrop Grumman Federal Credit Union
Auto
4.89 - 6.24
4.89 - 6.24
4.89 - 6.24
4.89 - 6.24
4.89 - 6.24
4.89 - 6.24
First Flight Federal Credit Union
Auto
4.90 - 5.07
4.90 - 5.07
4.90 - 5.07
4.90 - 5.07
4.90 - 5.07
4.90 - 5.07
First Flight Federal Credit Union
Motorcycle
5.19 - 5.31
5.19 - 5.31
5.19 - 5.31
5.19 - 5.31
5.19 - 5.31
5.19 - 5.31
First Flight Federal Credit Union
Other
6.74 - 6.84
6.74 - 8.61
6.74 - 8.61
6.74 - 8.61
6.74 - 8.61
First Flight Federal Credit Union
Recreational
8.49 - 8.61
6.74 - 8.61▼ 175 bps
Educators
Auto
4.94 - 10.69
Baxter
As of July 16, 2025, Baxter’s Used Auto loan rate remains steady at 3.64% APR, unchanged over the past 30 days, offering a consistently affordable option for members. The Used Other vehicle loan holds firm at 6.49% APR, with no rate changes recently. For members seeking value, the Used Auto loan provides the lowest APR, making it a cost-effective choice for financing used cars. Consider these stable rates when planning your vehicle purchase to lock in predictable payments and budget confidently.
Americas Credit Union
As of July 16, 2025, Americas Credit Union’s used vehicle loan rates remain steady across all products. Used Auto loans hold the lowest APR range at 4.46% to 13.93%, offering the most affordable financing option. Motorcycle loans range from 8.05% to 11.49%, while Recreational vehicle loans carry higher rates between 8.90% and 18.00%. Since there have been no rate changes in the past 30 days, members can confidently explore these options. For manageable monthly payments, consider longer-term loans within these products to maximize affordability and budgeting flexibility.
American Airlines
As of July 16, 2025, American Airlines Credit Union’s Used Auto Loan rates remain steady at 4.49% to 5.24% APR, unchanged from one week ago. This consistent rate range offers members reliable financing options for used vehicles without recent increases. For those seeking affordable monthly payments, consider exploring longer-term loan options to spread out costs while securing competitive rates. Staying informed on these stable rates can help you plan your vehicle purchase with confidence.
State Employees CU Of Maryland Inc
For used auto loans at State Employees CU Of Maryland Inc, rates remain steady at 4.49% to 6.24% APR, with no changes over the past 30 days. This consistency offers members predictable financing costs for used vehicles. To maximize affordability, consider loan terms that fit your budget and explore options for shorter durations if you want to pay less interest overall. Keeping an eye on stable rates like these can help you plan your vehicle purchase confidently.
Tower
As of July 16, 2025, Tower’s Used Auto loans maintain a steady APR range of 4.74% to 7.49%, unchanged over the past week. This consistent rate offers members reliable financing for used vehicles without recent increases. For those seeking affordability, the lower end of this range remains competitive. Consider longer loan terms to reduce monthly payments while securing these stable rates. Staying informed on Tower’s rate trends helps you plan your vehicle purchase confidently.
Blaze
As of July 16, 2025, Blaze’s Used Auto loan rates remain steady at 4.75% to 7.90% APR, unchanged over the past 7 days. This consistent rate range offers members a reliable option for affordable used vehicle financing. For those seeking manageable monthly payments, exploring longer-term loans may provide additional savings and payment flexibility. Stay informed on rate trends to make the best borrowing decision for your budget and needs.
California Coast
California Coast’s used vehicle loan rates remain steady this week, with no changes over the past 7 days. Used Auto loans offer the most affordable APR range at 4.78% to 8.48%, making them a strong option for budget-conscious members. Motorcycle and Recreational loans share identical rates between 6.88% and 8.38%, while the Other vehicle loan ranges from 6.98% to 7.98%. For members seeking manageable monthly payments, exploring longer-term loan options could provide additional flexibility and savings.
Northrop Grumman Federal Credit Union
As of July 16, 2025, Northrop Grumman Federal Credit Union’s Used Auto Loan rates remain steady at 4.89% to 6.24% APR, showing no change over the past 30 days. This consistency offers members reliable financing options without rate fluctuations. For those seeking affordability, the current range provides competitive rates on used vehicles. Consider longer loan terms to potentially lower monthly payments while benefiting from stable rates. Staying informed on these steady APRs can help members plan their vehicle purchase with confidence.
First Flight Federal Credit Union
For July 16, 2025, First Flight Federal Credit Union’s used vehicle loan rates remain stable across all products. Used Auto loans hold steady at 4.90% - 5.07% APR, offering the most affordable financing option for members. Motorcycle loans also remain unchanged at 5.19% - 5.31% APR. Notably, the Other loan category maintains a tight range of 6.74% - 6.84% APR, improving from higher rates seen 15 and 30 days ago. Meanwhile, Recreational loans rose slightly to 8.49% - 8.61% APR after being unavailable earlier this month. Members seeking value should consider used auto loans for competitive rates and check longer terms to lower payments.
Educators
As of July 16, 2025, Educators’ Used Auto Loan rates range from 4.94% to 10.69% APR, with no prior data available for comparison. This wide rate spectrum offers options for various credit profiles. Members seeking affordability should focus on loans near the 4.94% APR to minimize financing costs. For manageable monthly payments, consider longer-term used auto loans, which often come with lower rates. Stay informed by regularly reviewing Educators’ vehicle loan rates to secure the best financing fit for your budget and needs.
LendMesh
Tired of dealerships offering you one-size-fits-all financing? At LendMesh, we put you in control with customized vehicle loan comparisons. No hidden fees. No pushy sales tactics. Just offers you can trust. Explore your options at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, consider refinancing if your current loan rate is higher than today’s competitive offers—especially if you financed several years ago when rates were less favorable. For those ready to buy new or used vehicles, taking advantage of Baxter’s ultra-low 3.64% auto loan APR could save you hundreds over the life of your loan. Keep an eye on credit unions like First Flight Federal for motorcycle loans with stable rates near 5%. It also pays to shop around and compare terms across multiple credit unions since some offer flexible programs for recreational vehicles and other specialty loans. Ultimately, staying informed and acting decisively can help you drive away with the best deal tailored to your needs.