Introduction
As of October 29, 2025, savvy vehicle shoppers and enthusiasts have some compelling financing options to consider. The lowest APR available is an incredibly competitive 2.10% on auto loans through Marine Credit Union, making it a standout choice for those in the market for a new or used car. Motorcycle buyers can look to REV Credit Union, offering rates as low as 6.75%, while recreational vehicle financing starts around 7.75% at REV and 7.99% at Atomic CU. Notably, most credit unions have maintained steady rates over the past month, with no significant shifts, meaning borrowers can lock in stable terms without worrying about sudden hikes. If you’re eyeing an affordable loan with a trusted lender, now is a great time to act on these consistent rates and potentially save hundreds over your loan term. Whether it’s your first ride or a family vehicle upgrade, exploring credit union rates like these could be your smartest move yet.
Used - Vehicle Loans
Credit Union
Product
2025-10-29
(Current Day)
(Current Day)
2025-10-22
(7 Days Ago)
(7 Days Ago)
2025-10-14
(15 Days Ago)
(15 Days Ago)
2025-09-29
(30 Days Ago)
(30 Days Ago)
2025-09-14
(45 Days Ago)
(45 Days Ago)
2025-08-30
(60 Days Ago)
(60 Days Ago)
2025-07-31
(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
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
MARINE FEDERAL CREDIT UNION
As of October 29, 2025, MARINE's used auto loan rates remain steady at 2.10% to 11.25% APR, unchanged over the past 30 days. This consistency provides members with predictable financing costs for used vehicles. For borrowers seeking affordability, the lower end of this range offers competitive options. Consider evaluating loan terms and your credit profile to secure the best rate within this range. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain steady this week, with Auto loans holding between 5.49% and 5.83% APR, offering consistent affordability for members financing pre-owned cars. Motorcycle loans stay unchanged at 9.50% to 9.88% APR, while Recreational loans range from 7.99% to 9.21% APR. The broad Other category spans 2.50% to 13.21% APR, giving flexibility depending on the asset type and credit profile. Members seeking lower monthly payments should consider longer terms within these stable rates for better budgeting control. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
As of October 29, 2025, used vehicle loan rates at REV remain stable with no changes over the past 30 days. Used auto loans hold steady between 5.00% and 6.75% APR, offering consistent affordability for members. The Motorcycle loan range remains at 6.75% to 7.25% APR, while Recreational loans stay fixed at 7.75% APR. Notably, the Other vehicle loan category spans a wide range from 2.50% to 14.50% APR, providing flexible options for diverse needs. Members seeking lower monthly payments should consider longer terms within these stable rates. For more details, visit https://www.revfcu.com/rates/.
TYNDALL FEDERAL CREDIT UNION
As of October 29, 2025, TYNDALL's used auto loan rates remain steady at 3.24% to 7.24% APR, showing no changes over the past 30 days. This consistent rate range offers members predictable financing costs for used vehicles. For those seeking manageable payments, consider loan terms that balance rate and duration to optimize affordability. Staying informed on these stable rates can help members plan their vehicle purchases confidently. 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 over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. With no recent rate changes, this stability benefits borrowers seeking predictable payments. Members may want to explore longer-term loans to manage monthly costs effectively while locking in these competitive rates. 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, with APRs holding at 3.50% to 6.75% over the past 30 days, reflecting no upward pressure. The lowest rate of 3.50% continues to offer an affordable financing option for members. Consider shorter terms if you want to minimize interest costs or explore flexible repayment plans to fit your budget. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of October 29, 2025, used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady between 3.75% and 7.25% APR, with no changes over the past 30 days. This consistency offers members reliable financing terms for used vehicles without unexpected rate fluctuations. For members seeking affordability, the lower end of this range provides competitive options. Consider longer loan terms to manage monthly payments effectively while locking in stable rates. For more details, visit https://www.uoficreditunion.org/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 and Other vehicle loans ranging from 3.79% to 17.49% APR without change. The consistent low starting rate of 3.79% APR on both products offers members affordable financing options. For cost-conscious borrowers, focusing on loans with lower APR tiers can help reduce overall interest costs. Consider comparing term lengths to find a balance between monthly payments and total interest paid. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates,
ORION FEDERAL CREDIT UNION
As of October 29, 2025, ORION’s Used Auto Loan rate decreased from 4.15% to 3.95% over the past week, marking a 20 basis point drop. This decline makes the Used Auto Loan one of the most affordable financing options currently available. Members looking for competitive rates on used vehicles should consider locking in this lower APR soon. Additionally, exploring longer loan terms may help reduce monthly payments while maintaining favorable rates. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of October 29, 2025, SHELL’s used auto loan APRs remain steady between 3.99% and 18.00%, showing no change over the past 30 days. This consistent rate range offers members clear expectations for financing used vehicles. For those seeking affordability, the lowest rates at 3.99% provide competitive options for used auto loans. Consider evaluating loan terms carefully to balance monthly payments and interest costs. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
LendMesh
Need a loan for your next vehicle that won’t derail your financial goals? LendMesh gives you clear choices from lenders who value fairness and transparency. See the full picture at https://www.lendmesh.com/loans/vehicle_loans and borrow on your terms.
Conclusion
Looking ahead, consider refinancing your current auto loan if your rate is above today’s lowest offers, especially if you’re with a lender whose top APRs hover near double digits. For motorcycle and recreational vehicle buyers, focusing on credit unions like REV and Atomic can unlock better terms than traditional banks typically offer. Keep an eye on credit union announcements for any upcoming seasonal promotions or rate adjustments, timing your purchase or refinance around these could maximize savings. Finally, if you’re planning to finance soon, getting pre-approved by multiple credit unions can give you bargaining power and streamline the buying process. Staying proactive with your loan options today sets you up for more financial freedom behind the wheel tomorrow.