Introduction
If you’re shopping for a vehicle on July 30, 2025, today’s best deal is the ultra-low 3.64% APR auto loan from Baxter Credit Union—a standout rate that hasn’t budged in the last month. For those considering motorcycles or recreational vehicles, Americas Credit Union offers competitive rates starting at 8.05% and 8.90%, respectively. Notably, Sandia Laboratory’s auto loans have tightened slightly on the lower end, dropping from 6.25% to as low as 4.39% this week, giving buyers more breathing room for quality financing. While some credit unions like Shell and FCcu offer broad ranges up to 18%, savvy shoppers can lock in lower tiers within those ranges by comparing terms carefully. If you want to save on your next car purchase, focusing on fixed low APRs like Baxter’s or exploring options with Sandia Laboratory could make a significant difference in your monthly payments.
Used - Vehicle Loans
Credit Union
Product
2025-07-30
(Current Day)
(Current Day)
2025-07-23
(7 Days Ago)
(7 Days Ago)
2025-07-15
(15 Days Ago)
(15 Days Ago)
2025-06-30
(30 Days Ago)
(30 Days Ago)
2025-06-15
(45 Days Ago)
(45 Days Ago)
2025-05-31
(60 Days Ago)
(60 Days Ago)
Baxter
Auto
3.64
3.64
3.64
3.64
Baxter
Other
6.49
6.49
6.49
6.49
Shell
Auto
3.99 - 18.00
3.99 - 18.00
Certified
Auto
4.09 - 6.49
4.09 - 6.49
Safefed
Auto
4.24 - 9.24
4.24 - 9.24
Safefed
Recreational
7.50 - 8.50
7.50 - 8.00
FCcu
Auto
4.34 - 17.44
4.34 - 17.44
FCcu
Recreational
7.99 - 17.99
7.99 - 17.99
Sandia Laboratory
Auto
4.39 - 5.50
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
Keesler
Auto
4.49 - 9.49
4.49 - 9.49
4.49 - 9.49
American Airlines
Auto
4.49 - 5.24
4.49 - 5.24
American Airlines
Other
6.74 - 6.99
State Employees CU Of Maryland Inc
Auto
4.49 - 6.24
4.49 - 6.24
4.49 - 6.24
4.49 - 6.24
Baxter
As of July 30, 2025, Baxter’s Used Auto loan rate remains steady at 3.64% APR, showing no change over the past 30 days. The Used Other vehicle loan also holds firm at 6.49% APR with no movement. For members seeking the most affordable financing, the Used Auto loan at 3.64% APR offers great value. Consider these stable rates now to secure predictable monthly payments, especially if you prefer consistent budgeting without surprises.
Shell
As of July 30, 2025, Shell’s Used Auto Loan rates remain steady at 3.99% to 18.00% APR, showing no change over the past 7, 15, or 30 days. This range offers members a flexible choice between competitive low rates and higher APRs based on credit profile and loan terms. For those seeking affordability, targeting loans near the 3.99% APR can reduce overall financing costs. Consider shorter-term loans if you want to minimize interest paid or explore options that fit your budget without compromising vehicle quality.
Certified
As of July 30, 2025, Certified’s Used Auto Loan rates remain steady at 4.09% to 6.49% APR, unchanged from the past 7 days. This consistent rate range offers members reliable affordability for used vehicle financing. For those seeking manageable monthly payments, consider exploring longer loan terms to optimize your budget without rate fluctuations. Staying informed on Certified’s stable rates can help you confidently plan your next used vehicle purchase.
Safefed
This week, Safefed’s Used Auto loan rates remain steady at 4.24% to 9.24% APR, unchanged over the past 7 days. The Used Recreational loan rates held firm at 7.50% to 8.50% APR, with a slight increase from 8.00% to 8.50% on the upper end compared to last week. For members seeking affordability, the Used Auto loan offers the lowest starting APR. Consider these stable rates now if you want predictable payments without rate fluctuations.
FCcu
As of July 30, 2025, FCcu’s used vehicle loan rates remain stable, with Used Auto loans at 4.34% to 17.44% APR and Used Recreational loans at 7.99% to 17.99% APR, unchanged over the past week. The Used Auto loan offers the most affordable starting rates, ideal for members seeking cost-effective financing. For those balancing monthly payments and loan terms, consider exploring longer-term options to potentially lower monthly costs while financing your next used vehicle.
Sandia Laboratory
For used vehicle loans at Sandia Laboratory, the Auto loan APR remains steady between 4.39% and 5.50%, showing a notable improvement from last week’s upper rate of 6.25%. This marks a significant rate drop, enhancing affordability for members seeking used cars. If you want lower monthly payments, consider longer-term used auto loans to maximize savings. With rates trending downward, now is an opportune time to explore financing options for your next used vehicle purchase.
Americas Credit Union
As of July 30, 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 firm between 8.05% and 11.49%, while Recreational loans remain highest, ranging from 8.90% to 18.00%. With no rate increases or decreases recently, members seeking value should consider used auto loans for lower APRs. For those preferring manageable payments, exploring longer loan terms may provide additional flexibility without rate changes.
Keesler
For July 30, 2025, Keesler’s Used Auto Loan rates remain steady at 4.49% to 9.49% APR, showing no change over the past 7 and 30 days. This consistency offers members reliable financing options without rate fluctuations. For those seeking affordability, the lower end of this range provides a competitive choice for used vehicle purchases. Consider longer loan terms to reduce monthly payments while maintaining manageable interest costs. Staying informed on these stable rates can help you plan your vehicle financing confidently with Keesler.
American Airlines
For July 30, 2025, American Airlines’ used Auto loans remain steady at 4.49% to 5.24% APR, unchanged from 15 days ago. The Other used vehicle loan rates are currently between 6.74% and 6.99% APR, with no prior data for comparison. Used Auto loans offer the most affordable financing options for members seeking value. For those considering less common vehicles, the Other category provides a clear rate range today. Explore loan terms that match your budget to optimize monthly payments and total interest paid.
State Employees CU Of Maryland Inc
As of July 30, 2025, used auto loan rates at State Employees CU Of Maryland Inc remain steady at 4.49% to 6.24% APR, with no changes over the past 30 days. This consistent rate range offers members reliable financing options for used vehicles. For those seeking manageable payments, consider exploring longer-term loan options, which can help lower monthly costs while maintaining these competitive rates. Staying informed about stable rates like these ensures members can plan their vehicle purchases confidently and affordably.
LendMesh
From your first car to your next upgrade, LendMesh helps you stay in control of your financing. With honest comparisons and lender reviews, you'll always know what you’re getting. Discover the difference at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, if you already have an auto loan with a higher rate, now might be an excellent time to consider refinancing with credit unions offering rates near or below 4.5%—especially Baxter and Sandia Laboratory. For new buyers, locking in a fixed-rate loan sooner rather than later helps shield against potential rate hikes. Families eyeing motorcycles or RVs should monitor Americas Credit Union’s stable recreational rates around 8.9%, which remain attractive despite market fluctuations. Remember, not all ranges are created equal; ask about qualifying for the lowest APR within those wide brackets to maximize savings. Whether upgrading your ride or financing your first vehicle, keep an eye on these steady rates—your wallet will thank you for smart timing and informed choices.