Introduction
As of August 5, 2026, savvy vehicle shoppers have some solid financing options to explore. The lowest auto loan APR is a standout 2.99% at UNITED Credit Union, making it a great time to lock in a rate if you’re in the market for a car. Motorcycle buyers should also check out UNITED’s competitive rates starting at 4.70%, while recreational vehicle loans start at 6.25% there. Over the past month, rates have remained remarkably steady across most credit unions, with only minor fluctuations, like NECHES Credit Union’s auto loan bottom rate nudging up slightly from 3.50% to 3.75%. For those eyeing more flexible terms or different lenders, options like TYNDALL and COMMUNITY RESOURCE offer respectable ranges without surprises. Keep an eye out for credit unions such as MAX offering flat rates (3.75% auto), which can simplify budgeting. Whether you’re buying your first motorcycle or upgrading to that dream family SUV, these stable rates mean you can shop confidently and save on financing.
Used - Vehicle Loans
| Lender | Product | 2026-08-05 Current | 2026-07-29 7 Days Ago | 2026-07-21 15 Days Ago | 2026-07-06 30 Days Ago | 2026-06-21 45 Days Ago | 2026-06-06 60 Days Ago | 2026-05-07 90 Days Ago | 2026-02-06 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 4.95% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 4.50% | 4.20 - 4.40% | 5.20 - 11.39% |
| TYNDALL FEDERAL CREDIT UNION | Auto | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 4.69% | 3.24 - 6.24% |
| SHELL FEDERAL CREDIT UNION | Auto | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% |
| FIVEPOINT CREDIT UNION | Auto | 3.50 - 16.25% | 3.50 - 16.25% | 3.50 - 16.25% | 3.50 - 16.25% | 3.50 - 16.25% | 3.50 - 16.25% | 3.50 - 16.25% | 3.75 - 16.25% |
| FIVEPOINT CREDIT UNION | Recreational | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | N/A | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | Recreational | 3.50 - 6.75% | 3.50 - 6.75% | 3.50 - 6.75% | N/A | 3.50 - 6.50% | N/A | N/A | N/A |
| COMMUNITY RESOURCE CREDIT UNION | Auto | 3.74 - 5.54% | 3.74 - 5.54% | 3.74 - 5.54% | 3.74 - 5.54% | 3.49 - 5.29% | 3.49 - 9.79% | 3.49 - 9.79% | 3.74 - 9.79% |
| TOWER FEDERAL CREDIT UNION | Auto | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 6.24% | N/A | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | Auto | 3.75 - 5.25% | 3.75 - 5.25% | 3.75 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% |
| NECHES FEDERAL CREDIT UNION | Motorcycle | 3.75 - 4.75% | 3.75 - 4.75% | 3.75 - 4.75% | N/A | 3.50 - 4.50% | N/A | N/A | N/A |
| MAX CREDIT UNION | Auto | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 5.50% |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | Auto | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 4.24 - 4.99% | 4.24 - 4.99% |
| SANDIA AREA FEDERAL CREDIT UNION | Auto | 3.89 - 5.89% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% | 3.99 - 5.89% |
| UNITED CREDIT UNION | Motorcycle | 4.70 - 5.95%▼ 5 bps | 4.75 - 6.00% | 4.75 - 6.00% | 4.75 - 6.00% | 4.75 - 6.00% | N/A | 5.55 - 5.65% | N/A |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | Recreational | 5.59 - 6.34% | 5.59 - 6.34% | 5.59 - 6.34% | 5.59 - 6.34% | 5.59 - 6.34% | N/A | N/A | N/A |
| UNITED CREDIT UNION | Recreational | 6.25 - 6.75% | 6.25 - 6.75% | 6.25 - 6.75% | 6.25 - 6.75% | 6.25 - 6.75% | N/A | N/A | N/A |
| TOWER FEDERAL CREDIT UNION | Motorcycle | 6.49 - 6.99% | 6.49 - 6.99% | 6.49 - 6.99% | 6.49 - 6.99% | 6.49 - 6.99% | N/A | N/A | N/A |
| TOWER FEDERAL CREDIT UNION | Recreational | 6.74 - 12.50% | 6.74 - 12.50% | 6.74 - 12.50% | 6.74 - 12.50% | 6.74 - 12.50% | N/A | N/A | N/A |
| MAX CREDIT UNION | Recreational | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% |
| COMMUNITY RESOURCE CREDIT UNION | Motorcycle | 7.74 - 8.29% | 7.74 - 8.29% | 7.74 - 8.29% | 7.74 - 8.29% | 7.74 - 8.29% | N/A | N/A | N/A |
| COMMUNITY RESOURCE CREDIT UNION | Recreational | 7.74 - 9.79% | 7.74 - 9.79% | 7.74 - 9.79% | 7.74 - 9.79% | 7.74 - 8.49% | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
UNITED CREDIT UNION
As of August 5, 2026, UNITED’s used vehicle loan rates remain steady across all categories with no changes over the past 30 days. The used auto loan APR holds at 2.99 - 4.95%, offering the most affordable financing option for members. Motorcycle loans are priced between 4.70 - 5.95%, while recreational vehicle loans stay at 6.25 - 6.75%. Members seeking lower monthly payments should consider longer-term auto loans to maximize savings. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
For August 5, 2026, TYNDALL’s used auto loan rates remain steady at 3.24% to 5.69% APR, unchanged over the past 30 days. This stability offers members predictable financing costs for used vehicles. The most affordable rates start at 3.24% APR, providing good value for budget-conscious borrowers. Members seeking manageable monthly payments should consider longer-term options within this range to balance cost and affordability. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
Used auto loan rates at SHELL remain steady at 3.49% to 18.00% APR with no changes over the past 30 days. This consistent rate range offers members predictable financing costs for used vehicles. For those seeking affordable options, the lower end of this APR spectrum provides competitive value. Consider longer-term loans to help manage monthly payments while maintaining stable rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
FIVEPOINT CREDIT UNION
As of August 5, 2026, FIVEPOINT’s used vehicle loan rates remain stable, with Auto loans holding steady at 3.50% to 16.25% APR over the past 30 days. Similarly, Recreational vehicle loans maintain a range of 3.50% to 16.75% APR without fluctuation. For members seeking affordability, the consistent low-end rate of 3.50% APR on used auto loans offers significant value. Consider longer-term financing options to manage monthly payments effectively while locking in these stable rates. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
COMMUNITY RESOURCE CREDIT UNION
As of August 5, 2026, used vehicle loan rates at COMMUNITY RESOURCE remain stable with no changes over the past 30 days. Used Auto loans offer the most affordable APR range from 3.74% to 5.54%, providing excellent value for members seeking cost-effective financing. Both Motorcycle and Recreational loans hold steady, with rates ranging from 7.74% to 9.79%. Members looking to manage monthly payments should consider longer terms within these fixed rates to optimize affordability. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
TOWER FEDERAL CREDIT UNION
As of August 5, 2026, used vehicle loan rates at TOWER remain steady with no changes over the past 30 days. Used Auto loans offer the most affordable APR range, between 3.74% and 6.24%, providing consistent value for members. Motorcycle loans hold rates from 6.49% to 6.99%, while Recreational vehicle financing ranges from 6.74% up to 12.50%. Members seeking manageable monthly payments should consider longer-term options within these fixed APR ranges to optimize affordability. For more details, visit https://www.towerfcu.org/rates/loan-rates,
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain steady this week. Used Auto loans hold firm at 3.75 - 5.25% APR, unchanged over 30 days except a slight 25 bps increase from the lowest end. Motorcycle loans stay consistent at 3.75 - 4.75% APR for the past two weeks, offering competitive financing for riders. The most affordable option is the Recreational loan at 3.50 - 6.75% APR, stable for 15 days and attractive for members seeking flexible financing on leisure vehicles. Consider longer terms to manage monthly payments effectively with these stable rates. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
MAX CREDIT UNION
As of August 5, 2026, MAX’s used auto loan APR remains steady at 3.75%, showing no change over the past 30 days. The used recreational vehicle loan rate also holds firm at 7.00% with no recent fluctuations. For members seeking the most affordable financing, the used auto loan offers the lowest rate available today. Consider reviewing loan terms and durations to optimize monthly payments based on your budget. For more details, visit https://www.mymax.com/save/personal-financial-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of August 5, 2026, used auto loan rates at AMERICAN AIRLINES Credit Union remain steady between 3.84% and 4.59% APR, showing no change over the past 30 days. Similarly, recreational vehicle loans hold firm at 5.59% to 6.34% APR. Members seeking affordable financing should consider the used auto loan program for its consistently lower rates. For those planning larger or seasonal purchases, the recreational loan offers stable terms without recent fluctuations. Review your loan term options to balance monthly payments and total interest costs effectively. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
SANDIA AREA FEDERAL CREDIT UNION
Used auto loan rates at SANDIA AREA remain steady, with APRs ranging from 3.89% to 5.89% today, showing a slight increase of 20 basis points on the upper end compared to 7 and 15 days ago. The most affordable financing option continues to be the lower rate at 3.89% APR, offering value for members seeking cost-effective used vehicle loans. Consider shorter-term loans or higher credit tiers to access these lower rates and reduce interest costs over time. For more details, visit https://www.sandia.org/auto-loans.
LendMesh
Before you head to the dealership, check your rates on LendMesh. You’ll walk in with confidence—and likely save money. We connect you with banks and credit unions offering pre-approval and flexible terms on vehicle loans. See what’s possible at https://www.lendmesh.com/loans/vehicle_loans and skip the guesswork.
Conclusion
Looking ahead, now is a smart moment to consider your next move carefully. If you already have a vehicle loan with higher interest, refinancing at today’s low rates, especially through UNITED or MAX, could free up extra cash monthly. For new purchases, don’t hesitate to start pre-approval applications early; locking in that 2.99% auto loan rate could save you hundreds over the life of your loan. Families and enthusiasts planning recreational vehicle purchases might want to plan ahead but monitor rates closely since RV APRs tend to be higher and more variable across lenders like TOWER and FIVEPOINT. Lastly, keep track of any seasonal rate shifts by revisiting these tables regularly, it pays off to be informed and patient when timing your financing decision. Your next vehicle purchase can be not just exciting but financially savvy too!