Introduction
If you’re shopping for a vehicle today, November 26, 2025, there are some standout financing options to keep on your radar. The lowest APR available is an incredibly competitive 2.10% on auto loans from MARINE Credit Union, which holds steady from last month, an excellent opportunity for buyers seeking affordable financing. For motorcycle enthusiasts, REV Credit Union offers rates starting at 6.75%, unchanged over the past month, while INTOUCH shows a notable tightening with motorcycle loan rates dropping from 7.49% last week to as low as 4.49% today, a significant 300 basis point improvement for riders. Families or anyone considering recreational vehicles can look at REV’s fixed 7.75% rate or ATOMIC’s range beginning at 7.99%. Keep an eye on SHELL Credit Union if you need a wider rate spectrum; their auto loans start at 3.49% but can go up to 18%. Whether you’re buying new or used, locking in one of these low-rate deals could save you hundreds over the life of your loan, now is a smart time to act.
Used - Vehicle Loans
Credit Union
Product
2025-11-26
(Current Day)
(Current Day)
2025-11-19
(7 Days Ago)
(7 Days Ago)
2025-11-11
(15 Days Ago)
(15 Days Ago)
2025-10-27
(30 Days Ago)
(30 Days Ago)
2025-10-12
(45 Days Ago)
(45 Days Ago)
2025-09-27
(60 Days Ago)
(60 Days Ago)
2025-08-28
(90 Days Ago)
(90 Days Ago)
Auto
3.49 - 18.00
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
Auto
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.95 - 6.75▲ 45 bps
MARINE FEDERAL CREDIT UNION
For November 26, 2025, MARINE's used auto loan rates remain steady, holding at 2.10% to 11.15% APR, unchanged from 7 and 15 days ago, with a slight improvement from 11.25% thirty days prior. This consistency benefits members seeking reliable financing options without rate volatility. Lower-end APRs around 2.10% offer competitive affordability for qualified borrowers. Consider longer-term loans to manage monthly payments effectively while maintaining access to favorable rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
REV FEDERAL CREDIT UNION
Used vehicle loan rates at REV remain steady this week, with Auto loans holding at 4.75% to 6.50% APR, a slight improvement from 5.00% to 6.75% thirty days ago. The Other vehicle category offers the broadest range, from 2.50% up to 6.75%, down significantly from 14.50% last month, providing excellent value for diverse financing needs. Motorcycle and Recreational rates are unchanged at 6.75%, 7.25% and 7.75%, respectively. For members seeking lower payments, consider exploring options within the Other program due to its competitive low-end rates. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain steady this week, with Auto loans holding at 5.49 - 5.83% APR and Motorcycle loans stable between 9.50 - 9.88% APR. The broad range for Other vehicle loans (2.50 - 13.21% APR) offers potential value for varied member needs. Recreational loans stay consistent at 7.99 - 9.21% APR. Members seeking the most affordable financing may consider Auto loans, while those prioritizing lower monthly payments should explore longer terms within these programs to optimize costs. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
VYSTAR CREDIT UNION
Used auto loan rates at VYSTAR remain steady at 2.94% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. This stable rate reflects no recent changes, making it a reliable option for budgeting your vehicle purchase. Consider this fixed rate when planning your loan term to maintain predictable monthly payments. For members seeking used auto financing, this product represents one of the most accessible rates currently available. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of November 26, 2025, TYNDALL’s used auto loan rates remain stable at 3.24% to 7.24% APR, with no changes over the past 30 days. This consistency offers members predictable financing costs when purchasing pre-owned vehicles. For those seeking affordability, the lowest rate of 3.24% APR provides a competitive option. Members considering their budget might explore longer loan terms to reduce monthly payments while maintaining these steady rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates,
SHELL FEDERAL CREDIT UNION
As of November 26, 2025, SHELL’s Used Auto Loan rates have improved with the APR range decreasing from 3.99% to 3.49% at the low end compared to 7 and 15 days ago. This represents a notable drop in borrowing costs for members seeking used vehicles. The upper APR remains steady at 18.00%. For members prioritizing affordability, the lower starting rate offers significant savings potential. Consider shorter terms to capitalize on these competitive rates and reduce interest paid over time. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC remain steady at 3.50% to 6.75% APR with no change over the past 30 days. This consistent pricing offers members predictable financing for their vehicle purchases. For those seeking cost-effective options, the current range represents competitive affordability without recent fluctuations. Consider your loan term carefully to balance monthly payments and overall interest costs. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
INTOUCH CREDIT UNION
Used vehicle loan rates at INTOUCH remain mostly steady this week. The Auto loan APR holds firm between 3.74% and 4.49%, maintaining its position as the most affordable option for members. Notably, the Motorcycle loan APR narrowed significantly, dropping from a previous high of 7.49% to 5.99% at the top end, offering better value for riders. Similarly, Recreational loan rates declined from a peak of 7.49% to 5.49%, improving cost-effectiveness. Members seeking lower payments should consider these stable or improved rates and explore longer terms where applicable for manageable monthly financing. For more details, visit https://www.itcu.org/vehicle-loans.
COMMUNITY RESOURCE CREDIT UNION
As of November 26, 2025, COMMUNITY RESOURCE’s Used Auto loan rates remain steady, holding at 3.74% to 9.79% APR with no change over the past 30 days. This consistent range offers members predictable financing options for used vehicles. For those seeking affordability, the lower end of the APR spectrum provides competitive rates. Consider evaluating loan terms and your monthly budget to choose the best fit. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of November 26, 2025, used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady, holding at 3.75% to 7.25% APR over the past 30 days with no changes. This consistent rate range offers members reliable financing options for used vehicles without recent fluctuations. For borrowers seeking affordability, the lower end of this range represents a competitive opportunity. Consider evaluating different term lengths to balance monthly payments and overall cost effectively. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
A vehicle loan isn’t just a number—it’s a piece of your financial story. At LendMesh, we believe you deserve options that work for your goals and your budget. Discover flexible terms and honest offers from banks and credit unions at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
As you plan your next vehicle purchase or consider refinancing, remember that securing the lowest possible APR can dramatically reduce your monthly payments and total interest paid. If you currently have higher-rate financing, especially above the mid-5% range, it’s worth exploring refinance options with credit unions like MARINE or VYSTAR that offer rates under 3%. For motorcycle buyers, watch how INTOUCH’s recent rate drop might open new doors for better terms. Timing your loan application during stable or falling rates can maximize savings, so stay informed and ready to apply when the right offer appears. Lastly, if you’re eyeing recreational or specialty vehicles, compare rates carefully; some credit unions offer competitive fixed rates that could be more cost-effective than dealer financing. Keep your credit strong, shop around within credit unions’ programs, and don’t hesitate to negotiate terms based on these current rates to get the best deal possible.