Introduction
As of October 22, 2025, savvy vehicle buyers are in a great spot to save on financing. The lowest APR available is an impressive 2.10% for auto loans at MARINE Credit Union, offering some of the most competitive rates in the market right now. Motorcycle enthusiasts can find solid deals too, with REV Credit Union’s rates starting at 6.75%. Meanwhile, VYSTAR holds steady with a single-rate auto loan at 2.94%, providing simplicity for those who prefer fixed terms. Notably, most credit unions have maintained their rates over the past week, signaling stability, except POLISH & SLAVIC, which nudged its lowest auto rate slightly down by 45 basis points over the last month from 3.95% to 3.50%. Whether you’re eyeing a new family car or that long-awaited motorcycle, these rates open doors to affordable financing options. Jump on today’s deals and consider locking in a low APR before any seasonal changes hit.
Used - Vehicle Loans
Credit Union
Product
2025-10-22
(Current Day)
(Current Day)
2025-10-15
(7 Days Ago)
(7 Days Ago)
2025-10-07
(15 Days Ago)
(15 Days Ago)
2025-09-22
(30 Days Ago)
(30 Days Ago)
2025-09-07
(45 Days Ago)
(45 Days Ago)
2025-08-23
(60 Days Ago)
(60 Days Ago)
2025-07-24
(90 Days Ago)
(90 Days Ago)
Auto
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.95 - 6.75▲ 45 bps
3.95 - 6.75▲ 45 bps
Auto
3.79 - 16.09
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
Other
3.79 - 17.49
3.79 - 17.49
3.79 - 17.49
3.79 - 17.49
3.79 - 17.49
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
MARINE FEDERAL CREDIT UNION
As of October 22, 2025, MARINE's used auto loan rates remain steady, ranging from 2.10% to 11.25% APR, with no changes over the past 7 days. This stability provides members consistent access to affordable financing options for pre-owned vehicles. For those seeking lower monthly payments, consider exploring longer-term loan options within this rate range. Staying informed on these rates can help members plan their vehicle purchase with confidence. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
REV FEDERAL CREDIT UNION
As of October 22, 2025, used vehicle loan rates at REV remain stable with no changes over the past 7 days. Used Auto loans hold a competitive APR range of 5.00% to 6.75%, offering affordable financing for most members. The Other category features the widest APR spread from 2.50% to 14.50%, catering to diverse vehicle types but with variable rates. Motorcycle loans stay steady between 6.75% and 7.25%, while Recreational loans are fixed at 7.75%. Members seeking cost-effective options should consider the lower-end APRs on used autos and review term lengths for manageable payments. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain steady over the past week, with Auto loans holding between 5.49% and 5.83% APR and Motorcycle loans steady at 9.50% to 9.88% APR. The broad range for Other vehicle loans, from 2.50% to 13.21% APR, offers options depending on creditworthiness and loan specifics. For members seeking mid-range financing, the Recreational loan rates stay consistent at 7.99% to 9.21% APR. Consider comparing terms across these products to find the best fit for your budget and financial goals. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of October 22, 2025, VYSTAR’s used auto loan APR remains steady at 2.94%, with no changes over the past 30 days. This consistent rate offers members a reliable and affordable option for financing used vehicles. Consider locking in this competitive rate now to avoid potential future increases. For members seeking manageable monthly payments, exploring longer-term loan options may provide additional flexibility. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
Used auto loan rates at TYNDALL remain steady, holding firm at 3.24% to 7.24% APR over the past 30 days with no changes. This consistent range offers members reliable financing options for used vehicles without rate fluctuations. For those seeking affordability, the lower end of this spectrum provides competitive pricing for used auto loans. Consider longer loan terms if you want to reduce monthly payments while managing overall interest costs effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHARONVIEW FEDERAL CREDIT UNION
Used auto loan rates at SHARONVIEW remain steady at 3.49% to 8.99% APR, unchanged over the past 7 and 30 days. This stable range offers members consistent affordability for used vehicle financing. For those prioritizing manageable monthly payments, consider longer-term loan options within this rate bracket. Staying informed on these rates can help you plan your vehicle purchase effectively. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC remain steady, holding at 3.50% to 6.75% APR for the past 30 days with no recent changes. This consistency provides members with reliable, affordable financing options for used vehicles. Focus on the lower end of this range if you want to minimize interest costs. For those seeking manageable monthly payments, consider longer-term loans within this rate band. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain stable this week, with Auto loans holding steady between 3.75% and 5.50% APR and the Other category maintaining 4.75% to 7.00% APR. These consistent rates offer reliable financing options for members seeking affordable used vehicle loans. For members prioritizing lower costs, the used Auto loan provides the most competitive APR range currently available. Consider longer-term loans if you want to reduce monthly payments without rate increases. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of October 22, 2025, used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady between 3.75% and 7.25% APR, showing no change over the past 7 days. This stable range offers members consistent access to affordable financing for used vehicles. For those seeking cost-effective options, the lower end of this rate spectrum represents competitive borrowing costs. Reviewing term lengths may help optimize monthly payments without increasing your rate. For more details, visit https://www.uoficreditunion.org/rates/.
DELTA COMMUNITY CREDIT UNION
Used vehicle loan rates at DELTA COMMUNITY remain steady this week, with Auto loans holding at 3.79% to 16.09% APR and Other vehicle loans ranging from 3.79% to 17.49% APR for the past 30 days. There have been no rate changes recently, providing predictable financing costs for members. For affordable options, consider the used auto loan, which offers competitive starting rates. Review different term lengths to find the best balance between monthly payments and overall interest costs. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates.
LendMesh
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Conclusion
Looking ahead, now is a smart time to explore refinancing opportunities if your current loan rates are higher than today’s best offers, especially with credit unions like MARINE and VYSTAR presenting sub-3% auto loan options. For buyers ready to purchase, focusing on credit unions with stable or improving rates can secure long-term savings. Keep an eye on credit unions with wider APR ranges; sometimes negotiating within those brackets can yield better terms based on your credit profile. Lastly, if you’re considering recreational vehicles or motorcycles, don’t overlook specialized programs at REV or ATOMIC Credit Unions that cater specifically to those markets. Staying informed and acting promptly could make all the difference in your next vehicle purchase or refinance plan.