Introduction
As of October 15, 2025, savvy vehicle shoppers and motorcycle enthusiasts have some excellent financing opportunities to consider. The lowest APR available today is an incredibly low 1.00% for auto loans at ABNB Credit Union, making it a standout choice for those looking to save on their next car purchase. Motorcycle buyers can explore rates starting at 6.75% with REV Credit Union, while recreational vehicle financing ranges from about 7.75% up to 9.21% depending on the credit union and loan type. Notably, most credit unions show stable rates with minimal changes over the past month, except Polish & Slavic which saw a slight drop of 145 basis points in the lower end of its auto loan rate range compared to 30 days ago, a promising sign for borrowers looking for competitive terms. Whether you’re eyeing a new car, motorcycle, or RV, it pays to compare these varying APRs closely. If you’re ready to finance your next ride, now is a smart time to lock in a low rate and maximize your savings.
Used - Vehicle Loans
Credit Union
Product
2025-10-15
(Current Day)
(Current Day)
2025-10-08
(7 Days Ago)
(7 Days Ago)
2025-09-30
(15 Days Ago)
(15 Days Ago)
2025-09-15
(30 Days Ago)
(30 Days Ago)
2025-08-31
(45 Days Ago)
(45 Days Ago)
2025-08-16
(60 Days Ago)
(60 Days Ago)
2025-07-17
(90 Days Ago)
(90 Days Ago)
Auto
3.50 - 6.75
3.50 - 6.75
3.95 - 6.75▲ 45 bps
4.95 - 6.75▲ 145 bps
Auto
3.79 - 16.09
3.79 - 16.09
3.79 - 16.09
3.79 - 16.09
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
Other
3.79 - 17.49
3.79 - 17.49
3.79 - 17.49
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
ABNB FEDERAL CREDIT UNION
As of October 15, 2025, ABNB’s Used Auto Loan rates range from 1.00% to 9.24% APR, with no prior data available for comparison. This broad rate spectrum offers members flexibility based on credit profile and loan terms. For those seeking affordability, the lowest rates at 1.00% APR present a competitive financing option. Members considering longer repayment periods should explore these used auto loans to balance monthly payments and overall cost effectively. For more details, visit https://www.abnbfcu.org/rates.html.
MARINE FEDERAL CREDIT UNION
As of October 15, 2025, MARINE's Used Auto loans offer rates ranging from 2.10% to 11.25% APR, with no prior data available for comparison. This range provides flexibility for members seeking affordable financing options on used vehicles. For members prioritizing lower monthly payments, consider longer-term loan options within this rate spectrum to better manage cash flow. Stay informed on rate updates to optimize your borrowing strategy. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of October 15, 2025, ATOMIC’s used vehicle loan rates are newly available with no prior data for comparison. The most affordable option is the Used Auto Loan at 5.49% to 5.83% APR, offering competitive financing for members. For those interested in specialty vehicles, Motorcycle loans range from 9.50% to 9.88% APR, while Recreational loans are between 7.99% and 9.21% APR. The broadest rate spread appears in the Other vehicle loan category at 2.50% to 13.21% APR, suggesting varied credit terms or vehicle types. Review these rates closely and consider your budget when selecting a term or loan type. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
Used vehicle loan rates at REV range from 2.50% to 14.50% APR, with the most affordable option found in the Other category. Auto loans offer competitive rates between 5.00% and 6.75% APR, while Motorcycle loans start at 6.75% APR. The Recreational loan rate is steady at 7.75% APR. Since no prior data is available, no rate movements can be reported today. Members seeking lower monthly payments should consider longer-term loan options within these products to maximize affordability. For more details, visit https://www.revfcu.com/rates/.
TYNDALL FEDERAL CREDIT UNION
As of October 15, 2025, TYNDALL's Used Auto Loan rates remain steady at 3.24% to 7.24% APR, with no changes over the past 30 days. This consistent rate range offers members stable financing options for used vehicles. For those seeking affordability, the lowest rates start at 3.24% APR, providing a competitive entry point. Consider reviewing different loan terms to balance monthly payments and total interest costs effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHARONVIEW FEDERAL CREDIT UNION
SHARONVIEW’s used auto loan rates remain steady at 3.49% to 8.99% APR with no recent changes reported. This range offers competitive options for members seeking affordable financing on pre-owned vehicles. For those prioritizing lower monthly payments, exploring longer-term loans within this rate spectrum could be beneficial. Staying informed on rate trends helps optimize borrowing costs and financial planning. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
For used auto loans at POLISH & SLAVIC, rates remain steady at 3.50% to 6.75% APR over the past week, with a notable decrease from 3.95% to 3.50% on the low end compared to 15 days ago and a significant drop from 4.95% over 30 days ago. This offers members more affordable financing options for used vehicles. Consider locking in rates now to take advantage of current lower starting APRs. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of October 15, 2025, used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY range from 3.75% to 7.25% APR, with no prior data available for comparison. This offers members competitive financing options for used vehicles. For those seeking affordability, the lower end of this range provides an accessible entry point. Consider shorter terms or credit improvements to qualify for the best rates within this band. For more details, visit https://www.uoficreditunion.org/rates/.
NECHES FEDERAL CREDIT UNION
As of October 15, 2025, NECHES offers competitive used vehicle loan rates with Auto loans ranging from 3.75% to 5.50% APR and Other vehicle loans between 4.75% and 7.00% APR. Since no prior data is available for comparison, there are no tracked rate changes this period. Members seeking affordability should consider the used Auto loan for the lowest rates. Additionally, exploring different loan terms may help balance monthly payments and total interest costs. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
DELTA COMMUNITY CREDIT UNION
Used vehicle loan rates at DELTA COMMUNITY remain steady, with Auto loans holding at 3.79% to 16.09% APR over the past 30 days. The Other vehicle loan program also stays unchanged at 3.79% to 17.49% APR this month. Members seeking affordability should note the consistent low-end rate of 3.79% APR across these products, offering competitive financing options. For those aiming to manage monthly payments, exploring longer-term loans within these programs may provide additional flexibility. Check current rates regularly to secure the best terms for your used vehicle purchase. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates.
LendMesh
From electric cars to classic trucks, LendMesh helps drivers of all types finance with confidence. Our credit union and bank partners offer loan options tailored to your lifestyle. It’s never been easier to compare and save. Start your journey at https://www.lendmesh.com/loans/vehicle-loans .
Conclusion
Looking ahead, consider refinancing if your current loan rate is above today’s competitive offers, especially with options like ABNB’s ultra-low 1.00% auto loan APR. For buyers still exploring their options, keep an eye on credit unions like Polish & Slavic and TYNDALL, where steady or improving rates might offer additional savings soon. Families and enthusiasts should also weigh the benefits of timing their purchase around seasonal promotions or upcoming rate shifts, locking in a great deal now could pay off significantly over the life of your loan. Lastly, don’t overlook specialty loans for motorcycles and recreational vehicles; programs at ATOMIC and REV provide tailored options that fit specific needs without breaking the bank. Stay informed, shop smart, and leverage these current rates to drive away with the best financing deal possible.