Introduction
As of July 23, 2025, vehicle shoppers have some standout financing options to consider. The lowest APR available is an impressive 2.94% through Vystar’s Other loan program, perfect for those looking beyond traditional auto loans. For car buyers focused on standard auto financing, Baxter Credit Union offers a solid 3.64% APR, while Envision Credit Union maintains steady auto rates between 6.49% and 7.64% with no change over the past week. Motorcycle enthusiasts can find competitive rates starting at 7.04% at Envision, holding steady as well. While most credit unions show stable rates this month, keep an eye on Envision’s Other loan program, which recently dropped from a range of 7.04-11.74% down to 3.00-18.00%, offering more flexibility depending on your credit profile and vehicle type. Whether you’re shopping for a family car, motorcycle, or recreational vehicle, these current rates provide a great opportunity to save—especially if you act quickly and compare your options carefully.
Used - Vehicle Loans
Credit Union
Product
2025-07-23
(Current Day)
(Current Day)
2025-07-16
(7 Days Ago)
(7 Days Ago)
2025-07-08
(15 Days Ago)
(15 Days Ago)
2025-06-23
(30 Days Ago)
(30 Days Ago)
2025-06-08
(45 Days Ago)
(45 Days Ago)
2025-05-24
(60 Days Ago)
(60 Days Ago)
Vystar
Other
2.94
Envision Credit Union
Auto
6.49 - 7.64
6.49 - 7.64
6.49 - 7.64
6.49 - 7.64
6.49 - 7.64
Envision Credit Union
Motorcycle
7.04 - 7.64
7.04 - 7.64
7.04 - 7.64
Envision Credit Union
Other
3.00 - 18.00
7.04 - 11.74▲ 404 bps
7.04 - 11.74▲ 404 bps
Baxter
Auto
3.64
3.64
3.64
Baxter
Other
6.49
6.49
6.49
Shell
Auto
3.99 - 18.00
Certified
Auto
4.09 - 6.49
Safefed
Auto
4.24 - 9.24
Safefed
Recreational
7.50 - 8.00
FCcu
Auto
4.34 - 17.44
FCcu
Recreational
7.99 - 17.99
Sandia Laboratory
Auto
4.39 - 6.25
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
State Employees CU Of Maryland Inc
Auto
4.49 - 6.24
4.49 - 6.24
4.49 - 6.24
Vystar
As of July 23, 2025, Vystar's Other Used Vehicle Loan offers an attractive 2.94% APR, with no prior data to indicate change trends. This low rate provides an excellent opportunity for members looking to finance recreational or specialty vehicles affordably. Consider locking in this competitive rate now to secure favorable financing before potential shifts. For those prioritizing manageable payments, exploring longer-term options remains a smart strategy to balance affordability and loan length.
Envision Credit Union
As of July 23, 2025, Envision Credit Union’s used vehicle loan rates remain steady. The Used Auto Loan APR holds at 6.49% - 7.64%, unchanged over the past 15 days. Similarly, the Used Motorcycle Loan APR stays consistent at 7.04% - 7.64% for the last week. Notably, the Other Used Vehicle Loan rates dropped from 7.04% - 11.74% to a wider range of 3.00% - 18.00%, offering potentially lower starting rates but higher maximums. For members seeking affordability, consider the Auto Loan for balanced rates or explore Other loans if flexible terms suit your budget.
Baxter
For July 23, 2025, Baxter’s used vehicle loan rates remain steady with the Used Auto loan at 3.64% APR and the Other vehicle loan at 6.49% APR, unchanged over the past 30 days. The Used Auto loan offers the most affordable financing option for members looking to save on interest. For those seeking flexibility, consider longer-term loans to lower monthly payments while maintaining competitive rates. Staying informed on these stable rates can help members plan their vehicle purchase with confidence.
Shell
As of July 23, 2025, Shell’s Used Auto Loan rates range from 3.99% to 18.00% APR with no prior data for comparison. This wide rate spectrum offers options for various credit profiles, ensuring members can find affordable financing. For those seeking lower monthly payments, explore longer-term used auto loans to balance affordability and loan duration. Keep an eye on future updates for potential rate shifts that could further benefit your vehicle financing plans.
Certified
Certified’s Used Auto Loan rates are currently 4.09% to 6.49% APR, with no prior data for comparison. This range offers members competitive financing options for used vehicles. For those seeking affordability, the lower end of this rate spectrum provides a strong value. Consider checking longer-term loan options to help reduce your monthly payments while securing a reasonable rate. Staying informed on Certified’s evolving rates can help you make smarter financing decisions when purchasing a used vehicle.
Safefed
As of July 23, 2025, Safefed’s Used Auto loans offer competitive rates between 4.24% and 9.24% APR, providing an affordable option for members financing pre-owned vehicles. Meanwhile, the Used Recreational loan rates range from 7.50% to 8.00% APR. Since no prior data is available, rate trends can’t be determined this week. For members seeking budget-friendly financing, the Used Auto loans present the most attractive rates. Consider exploring longer-term loan options to help lower monthly payments while managing overall costs effectively.
FCcu
As of July 23, 2025, FCcu’s Used Auto loans offer competitive rates ranging from 4.34% to 17.44% APR, while Used Recreational vehicle loans are priced between 7.99% and 17.99% APR. With no prior data for comparison, current rates provide a clear baseline for members seeking affordable financing. For cost-conscious borrowers, used auto loans present the most affordable starting APR. Consider checking longer-term loan options if you prefer lower monthly payments and greater flexibility when financing your next used vehicle.
Sandia Laboratory
For July 23, 2025, Sandia Laboratory’s Used Auto loan rates range from 4.39% to 6.25% APR. Since no prior data is available, rate movement can’t be determined this week. These competitive rates offer members affordable options for used vehicle financing. To manage monthly payments, consider longer-term loans, which may lower your installments despite slightly higher overall interest. Staying informed on these rates helps you choose the best financing fit for your budget and vehicle needs.
Americas Credit Union
As of July 23, 2025, Americas Credit Union's used vehicle loan rates remain steady across all products. Used Auto loans offer the most affordable APR range at 4.46% to 13.93%, unchanged over the past 30 days. Motorcycle loans hold steady between 8.05% and 11.49%, while Recreational vehicle loans remain highest at 8.90% to 18.00%. Members seeking value should consider used auto loans for lower rates. For manageable payments, explore longer-term loan options within these programs to fit your budget comfortably.
State Employees CU Of Maryland Inc
For July 23, 2025, used auto loan rates at State Employees CU Of Maryland Inc remain steady at 4.49% to 6.24% APR, unchanged over the past 30 days. This consistent rate range offers members reliable and affordable financing options for used vehicles. Consider locking in these stable rates now to secure predictable monthly payments. For those seeking flexibility, exploring different loan terms may help balance affordability with budget needs. Stay informed to make the best choice for your vehicle financing goals.
LendMesh
A solid vehicle loan can unlock more than a new ride—it can unlock freedom. Whether it’s getting to work, school, or your next adventure, LendMesh helps you find financing that fits your journey. Explore your options today at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is a smart time to evaluate your financing strategy carefully. If you already have a loan with higher rates, consider refinancing with credit unions like Vystar or Baxter to take advantage of their low APRs and reduce your monthly payments. For new buyers, locking in a rate below 4% could save thousands over the life of your loan—so don’t hesitate to get pre-approved early in your shopping process. Keep monitoring rate shifts closely; even small drops can translate into big savings when financing vehicles costing tens of thousands of dollars. Lastly, explore different programs—sometimes “Other” loan categories offer better terms than standard auto loans depending on your needs. With the right approach and timely decisions, you’ll maximize value and drive away confident in your financing choice.