Introduction
On September 3, 2025, vehicle shoppers have some excellent financing options to consider. The lowest APR available today is a remarkable 3.79% for auto loans at Delta Community Credit Union, making it a standout choice for those hunting for affordable car financing. Motorcycle buyers can also find competitive rates, with University of Kentucky offering a solid 7.74%. Notably, Delta Community’s auto loan rates dropped by an impressive 120 basis points from last week, signaling a great opportunity to lock in a lower rate now. For families and recreational vehicle enthusiasts, Atlanta Postal’s recreational loan rates start at 6.74%, giving you options across various needs. Whether you’re eyeing a new family SUV or your first motorcycle, these credit unions are showing strong offers that could save you hundreds over the life of your loan. Keep an eye on the week-to-week shifts—especially Delta Community’s rate improvements—as they can make a big difference in your monthly payments.
Used - Vehicle Loans
Credit Union
Product
2025-09-03
(Current Day)
(Current Day)
2025-08-27
(7 Days Ago)
(7 Days Ago)
2025-08-19
(15 Days Ago)
(15 Days Ago)
2025-08-04
(30 Days Ago)
(30 Days Ago)
2025-07-20
(45 Days Ago)
(45 Days Ago)
2025-07-05
(60 Days Ago)
(60 Days Ago)
2025-06-05
(90 Days Ago)
(90 Days Ago)
Atlanta Postal
Auto
4.74 - 17.99
Atlanta Postal
Other
2.00 - 17.90
Atlanta Postal
Recreational
6.74 - 17.99
Delta Community
Auto
3.79 - 16.09
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
Delta Community
Other
3.79 - 17.49
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
Polish Slavic
Auto
3.95 - 6.75
Arkansas
Auto
3.99 - 5.79
3.99 - 5.79
3.99 - 5.79
3.99 - 5.79
3.99 - 18.00
Shell
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
Us Eagle
Auto
3.99 - 8.04
Us Eagle
Motorcycle
7.99
Us Eagle
Recreational
8.99 - 10.79
Alabama One
Auto
3.99
University Of Kentucky
Auto
3.99 - 6.49
University Of Kentucky
Motorcycle
7.74
University Of Kentucky
Other
6.99 - 8.24
Dade County
Auto
4.00 - 8.00
Certified
Auto
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
Atlanta Postal
As of September 3, 2025, Atlanta Postal’s used vehicle loan rates show no prior data for comparison. Today’s rates are 4.74% to 17.99% for Auto loans, 2.00% to 17.90% for Other loans, and 6.74% to 17.99% for Recreational loans. Notably, the Other loan program offers the lowest starting APR at 2.00%, providing excellent value for members seeking affordable financing. For those aiming to manage monthly payments effectively, exploring longer-term loan options could be beneficial given the range of available rates across products.
Delta Community
This week, Delta Community’s Used Auto loan rates improved significantly, dropping from 4.99% to a low 3.79% APR, marking a notable decrease of 120 bps in the past 7 days. Similarly, the Used Other vehicle loans saw a substantial rate drop from 6.59% to 3.79% APR, a 280 bps improvement over the last week. These reductions offer members more affordable financing options for used vehicles. Consider locking in these lower rates now to maximize savings, and explore longer-term loans if you want to reduce monthly payments while benefiting from competitive APRs.
Polish Slavic
As of September 3, 2025, Polish Slavic’s Used Auto Loan rates range from 3.95% to 6.75% APR, with no previous data for comparison. This competitive rate band offers members affordable financing options for pre-owned vehicles. Consider these rates now to secure cost-effective loans before potential market changes. For manageable payments, explore longer-term used auto loans within this range to optimize your budget while driving a quality vehicle.
Arkansas
This week in Arkansas, used auto loan rates remain steady at 3.99% to 5.79% APR, showing no change over the past 30 days. These consistent rates offer members reliable affordability when financing a used vehicle. For those seeking manageable payments, consider longer-term loans to spread out costs while locking in stable rates. Staying informed on rate trends helps members make confident decisions about their used vehicle financing options.
Shell
As of September 3, 2025, Shell’s Used Auto Loan rates remain steady at 3.99% to 18.00% APR, showing no change over the past 30 days. This stable range offers members consistent financing options for used vehicles. For those seeking affordability, the lower end of the rate spectrum provides competitive pricing. Consider longer-term loans to reduce monthly payments while maintaining these reliable rates. Staying informed on these steady rates can help you plan your next vehicle purchase with confidence.
Us Eagle
As of September 3, 2025, Us Eagle’s used vehicle loan rates are newly listed with no prior data for comparison. The most affordable option is the Used Auto Loan at 3.99% - 8.04% APR, ideal for members seeking competitive financing. Motorcycle loans stand at a fixed 7.99% APR, while Recreational vehicle loans range from 8.99% to 10.79% APR. For members prioritizing lower monthly payments, consider longer-term used auto loans to maximize affordability and budgeting flexibility. Keep an eye on rate updates as they become available for potential savings opportunities.
Alabama One
As of September 3, 2025, Alabama One’s Used Auto Loan rate stands at a competitive 3.99% APR, with no prior data available for comparison. This rate offers an affordable financing option for members seeking used vehicles. Since this is the only current used vehicle loan product with available data, members should consider locking in this low rate now to secure favorable terms. For those looking to manage monthly payments, exploring longer loan terms may provide additional flexibility while keeping costs manageable.
University Of Kentucky
University of Kentucky’s used vehicle loan rates are stable with no prior data for comparison. Used Auto loans offer competitive rates from 3.99% to 6.49% APR, making them the most affordable option for members financing pre-owned cars. For motorcycle financing, the rate is fixed at 7.74% APR, while the Other vehicle loans range between 6.99% and 8.24% APR. Members seeking lower monthly payments should consider longer-term used auto loans due to their attractive starting rates. Stay updated weekly to catch any shifts in these competitive offers.
Dade County
As of September 3, 2025, Dade County’s Used Auto Loan rates range from 4.00% to 8.00% APR, with no prior data for comparison. This competitive rate offers members an affordable option to finance used vehicles today. For those seeking manageable monthly payments, consider longer-term loan options to spread costs effectively. Keep monitoring rates regularly to seize the best financing opportunities for your used vehicle purchase.
Certified
For used auto loans at Certified, rates remain steady at 4.09% to 6.49% APR over the past 30 days with no changes observed. This consistent pricing offers members reliable access to affordable financing for their used vehicles. Consider shorter loan terms to secure the lowest rates within this range and reduce interest costs. Staying informed on rate stability can help you plan your vehicle purchase confidently.
LendMesh
That new car smell? It pairs best with a smart loan. LendMesh helps you avoid overpaying by showing vehicle loan options side-by-side—so you can find a deal that’s just as satisfying as your new ride. Compare now at https://www.lendmesh.com/loans/vehicle_loans and enjoy the journey ahead.
Conclusion
If you’re ready to buy or refinance, now is the time to act on Delta Community’s competitive auto loan rates starting at 3.79% or explore Polish Slavic and Arkansas Credit Unions’ low-rate offers under 4%. Even if you’re not in a rush, monitoring these weekly changes can help you time your purchase better or decide when refinancing makes sense. Remember, securing a low APR early means more money stays in your pocket long-term. For motorcycle and recreational loans, don’t overlook University of Kentucky and Atlanta Postal Credit Union—they offer specialized products worth considering. Stay proactive by comparing current offers and locking in rates before any upward movement occurs. Your next vehicle could come with savings that add up significantly—start with these credit union deals as your roadmap to smarter borrowing.