Introduction

As of August 13, 2025, savvy car shoppers and motorcycle enthusiasts can take advantage of some compelling vehicle loan rates across credit unions. The lowest APR for auto loans stands at a remarkable 3.00% offered by Hapo Community, making it an excellent option for budget-conscious buyers. For motorcycle financing, Americas Credit Union offers competitive rates starting at 8.05%, while recreational vehicle loans range up to 18%, so it pays to compare. Notably, United Credit Union’s auto loan rates improved on the lower end from 5.45% fifteen days ago down to 4.15% today, representing a solid dip of 130 basis points that could save you money over time. Meanwhile, Apple’s auto loans have tightened slightly on the low end from 4.99% to 4.49% in the past week—another sign that lenders are competing to win your business. Whether you’re eyeing a family SUV or a weekend motorcycle, these updated rates highlight opportunities to lock in affordable financing right now.

Used - Vehicle Loans

Credit Union
Product
2025-08-13
(Current Day)
2025-08-06
(7 Days Ago)
2025-07-29
(15 Days Ago)
2025-07-14
(30 Days Ago)
2025-06-29
(45 Days Ago)
2025-06-14
(60 Days Ago)
2025-05-15
(90 Days Ago)
Hapo Community
Auto
3.00 - 17.99
3.00 - 17.99
Shell
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
Arkansas
Auto
3.99 - 5.79
3.99 - 5.79
3.99 - 5.79
Certified
Auto
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
United
Auto
4.15 - 6.30
4.15 - 6.30
5.45 - 6.55▲ 130 bps
FCcu
Auto
4.34 - 17.44
4.34 - 17.44
4.34 - 17.44
FCcu
Recreational
7.99 - 17.99
7.99 - 17.99
7.99 - 17.99
Sandia Laboratory
Auto
4.39 - 5.50
4.39 - 5.50
4.39 - 7.75
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
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
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
8.90 - 18.00
American Airlines
Auto
4.49 - 5.24
4.49 - 5.24
4.49 - 5.24
4.49 - 5.24
American Airlines
Other
6.74 - 6.99
6.74 - 6.99
6.74 - 6.99
Apple
Auto
4.49 - 5.99
4.49 - 5.99
4.99 - 5.99▲ 50 bps
5.49▲ 100 bps
5.49▲ 100 bps
Apple
Motorcycle
5.39 - 6.14
5.39 - 6.14
5.39 - 6.14
5.39
5.39

Hapo Community

For used vehicle loans at Hapo Community, the Auto loan APR remains steady between 3.00% and 17.99%, showing no change over the past 7, 15, or 30 days. This stability offers members predictable financing costs for used autos. The lowest rates at 3.00% provide affordable options for budget-conscious borrowers. Consider longer-term loans if you want to lower your monthly payments, balancing interest costs with manageable budgeting. Staying informed on these consistent rates helps members plan their vehicle purchases confidently.

Shell

As of August 13, 2025, Shell’s Used Auto Loan rates remain steady at 3.99% to 18.00% APR, unchanged over the past 30 days. This consistent rate range offers members clear expectations for financing used vehicles. For those seeking affordability, the lower APR starting at 3.99% presents a strong value. Consider exploring longer loan terms to reduce monthly payments while securing competitive rates on used auto financing. Staying informed on these stable rates can help members make confident decisions when purchasing pre-owned vehicles.

Arkansas

For Arkansas credit union members seeking used vehicle loans, the Auto loan APR remains steady at 3.99% to 5.79% over the past 30 days, showing no rate changes. This consistency offers reliable financing options for budgeting your purchase. With some of the most affordable used auto rates available, now is a good time to explore your loan term preferences. Consider longer-term loans if you want lower monthly payments while keeping a competitive APR. Staying informed on these stable rates helps you make confident decisions for your next vehicle purchase.

Certified

As of August 13, 2025, Certified’s Used Auto Loan rates remain steady at 4.09% to 6.49% APR, showing no change over the past 30 days. This stable rate range offers members affordable financing options for used vehicles without fluctuations. For those seeking predictable payments, consider these consistent rates to plan your budget confidently. If monthly affordability is a priority, explore longer-term used auto loans to lower your monthly payments while locking in these competitive rates.

United

As of August 13, 2025, United’s Used Auto Loan rates remain steady at 4.15% to 6.30% APR, unchanged from a week ago and significantly improved from 15 days ago when rates ranged from 5.45% to 6.55%. This marks a notable drop in starting rates by 130 basis points over the past two weeks, offering excellent value for members financing used vehicles. For those seeking affordability, now is a strong time to lock in lower rates. Consider longer-term loans to reduce monthly payments while taking advantage of these competitive APRs.

FCcu

As of August 13, 2025, FCcu’s used vehicle loan rates remain steady with no changes over the past 30 days. Used Auto loans hold a competitive range of 4.34% to 17.44% APR, offering the most affordable financing for members. Meanwhile, Recreational loans stay between 7.99% and 17.99% APR. For members seeking lower monthly payments, exploring longer-term used auto loans could provide better affordability. Staying informed on these stable rates helps members make confident decisions when financing their next used vehicle at FCcu.

Sandia Laboratory

This week, Sandia Laboratory’s Used Auto Loan rates remain steady at 4.39% to 5.50% APR, unchanged from both 7 and 15 days ago. Compared to 15 days prior, the upper rate has significantly decreased from 7.75%, offering members more affordable financing options. Used Auto Loans now provide some of the best value for cost-conscious borrowers seeking reliable rates without fluctuations. For those looking to manage monthly payments, exploring longer-term loan options may help balance affordability with flexibility. Stay informed to make the most of stable, competitive used vehicle financing today.

Americas Credit Union

As of August 13, 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 range from 8.90% to 18.00%, also stable. For members seeking lower monthly payments, consider longer-term used auto loans to maximize affordability. Staying informed on these consistent rates helps members plan their financing effectively without surprises.

American Airlines

As of August 13, 2025, American Airlines Credit Union’s used vehicle loan rates remain steady. The Used Auto Loan APR holds at 4.49% - 5.24%, unchanged over the past 30 days, offering members a competitive rate for affordable financing. The Other Used Vehicle Loans (including recreational and specialty vehicles) also stay consistent at 6.74% - 6.99% since last week. For members seeking lower monthly payments, consider longer-term used auto loans to maximize affordability without rate increases. Staying informed on these stable rates helps members plan their vehicle purchases confidently.

Apple

As of August 13, 2025, Apple’s used Auto loan rates remain steady at 4.49% to 5.99%, holding firm over the past week but down from 5.49% thirty days ago, reflecting a notable improvement for members. The used Motorcycle loan rates also stayed consistent at 5.39% to 6.14% with no change in the last 30 days. For affordable financing, consider used Auto loans for the lowest rates currently offered. Additionally, explore longer-term options to reduce monthly payments while securing competitive APRs on your next vehicle purchase.

LendMesh

Buying a car is a big deal. Financing it shouldn’t feel like one. LendMesh brings you side-by-side comparisons of real vehicle loan rates from banks and credit unions that want your trust—not just your signature. Discover your best offer now at https://www.lendmesh.com/loans/vehicle_loans .

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Conclusion

Looking ahead, consider refinancing existing loans if your current rate is above today’s best offers—especially with Hapo Community’s standout 3.00% APR making waves in the market. If you’re planning a new purchase, keep an eye on credit unions like United and Apple that have recently trimmed their rates, signaling potential ongoing competition and better deals soon. For motorcycle and recreational vehicle buyers, comparing options like Americas Credit Union and FCcu can help you find tailored financing that fits your lifestyle and budget. Ultimately, staying informed and acting quickly on competitive rates is key—locking in a low APR today can lead to significant savings over the life of your loan. Keep monitoring rate shifts weekly to time your purchase or refinance for maximum benefit.