Introduction
On September 9, 2026, savvy vehicle shoppers have plenty to smile about. The lowest APR available is an impressive 2.99% for auto loans at UNITED Credit Union, offering a fantastic opportunity for anyone looking to finance a new or used car. Motorcycle enthusiasts can also benefit from UNITED’s competitive rates starting at 3.75% through NECHES Credit Union, one of the best deals for two-wheeled vehicles right now. Recreational vehicle buyers have solid options too, with rates as low as 3.75% at NECHES, making it an ideal time to invest in that RV getaway you’ve been dreaming of. While most credit unions have maintained steady rates over the past month, it’s worth noting that NAVY FEDERAL CREDIT UNION saw a slight increase on their upper auto loan APR from 7.39% to 9.90%, which could impact those with lower credit scores or longer terms. On the flip side, MAX Credit Union keeps it simple and consistent with a flat 3.75% auto loan rate, perfect for those who appreciate predictability. If you’re hunting for the best financing deal today, focusing on credit unions like UNITED and NECHES can save you significant interest over the life of your loan. Keeping an eye on these rates could be your ticket to driving away with more savings in your pocket.
Used - Vehicle Loans
| Lender | Product | 2026-09-09 Current | 2026-09-02 7 Days Ago | 2026-08-25 15 Days Ago | 2026-08-10 30 Days Ago | 2026-07-26 45 Days Ago | 2026-07-11 60 Days Ago | 2026-06-11 90 Days Ago | 2026-03-13 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 4.00% | 5.20 - 5.40% |
| 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 - 5.69% | 3.24 - 5.69% |
| 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% |
| NECHES FEDERAL CREDIT UNION | Auto | 3.75 - 5.00% | 3.75 - 5.00% | 3.75 - 5.00% | 3.75 - 5.00% | 3.75 - 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% | 3.75 - 4.75% | 3.75 - 4.75% | N/A | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | Recreational | 3.75 - 6.75% | 3.75 - 6.75% | 3.75 - 6.75% | 3.75 - 6.75% | 3.50 - 6.75% | N/A | N/A | N/A |
| MAX CREDIT UNION | Auto | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% |
| 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% | 3.84 - 4.59% | 4.24 - 4.99% |
| NAVY FEDERAL CREDIT UNION | Auto | 3.89 - 9.90% | 3.89 - 9.90% | 3.89 - 7.39% | 3.89 - 7.39% | 3.89 - 7.39% | 4.29 - 7.39% | 4.79 - 5.39% | 4.79 - 5.39% |
| TROPICAL FINANCIAL CREDIT UNION | Auto | 3.89 - 6.24% | 3.89 - 6.24% | 3.89 - 6.24% | 3.89 - 6.24% | 3.89 - 6.24% | 3.89 - 6.24% | 3.99 - 6.34% | 3.99 - 6.34% |
| SANDIA AREA FEDERAL CREDIT UNION | Auto | 3.89 - 5.89% | 3.89 - 5.89% | 3.89 - 5.89% | 3.89 - 5.89% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% |
| LOS ANGELES FEDERAL CREDIT UNION | Auto | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% |
| UNITED CREDIT UNION | Motorcycle | 4.70 - 5.95% | 4.70 - 5.95% | 4.70 - 5.95% | 4.70 - 5.95% | 4.75 - 6.00% | 4.75 - 6.00% | N/A | 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% | 5.59 - 6.34% | N/A | N/A |
| TROPICAL FINANCIAL CREDIT UNION | Recreational | 5.69 - 8.24% | 5.69 - 8.24% | 5.69 - 8.24% | 5.69 - 8.24% | 5.69 - 8.24% | 5.69 - 8.24% | 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% | 6.25 - 6.75% | N/A | N/A |
| MAX CREDIT UNION | Recreational | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% |
| NAVY FEDERAL CREDIT UNION | Motorcycle | 7.45 - 10.05% | 7.45 - 10.05% | 7.45 - 10.05% | 7.45 - 10.05% | 7.45 - 10.05% | 7.45 - 10.05% | 10.05% | 7.45 - 10.05% |
| NAVY FEDERAL CREDIT UNION | Recreational | 7.45 - 9.90% | 7.45 - 9.80% | 7.45 - 9.90% | 7.45 - 9.90% | 7.45 - 9.90% | 7.45 - 9.90% | 7.45 - 9.80% | 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 September 9, 2026, UNITED’s used vehicle loan rates remain steady with no changes over the past 30 days. Used Auto loans offer the most affordable APR range at 2.99% to 4.95%, providing excellent value for members financing cars. Motorcycle loans hold firm between 4.70% and 5.95%, while Recreational vehicle loans maintain rates from 6.25% to 6.75%. Members seeking lower monthly payments should consider longer-term options within these stable rates to optimize affordability. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of September 9, 2026, TYNDALL’s used auto loan rates remain steady at 3.24% to 5.69% APR, with no changes over the past 30 days. This consistent pricing offers members predictable financing costs for used vehicles. The lowest rate of 3.24% APR provides an affordable option for borrowers seeking competitive terms. Members looking to manage monthly payments should consider longer-term loans within this range to optimize affordability. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of September 9, 2026, SHELL’s Used Auto Loan rates remain steady between 3.49% and 18.00% APR, with no changes over the past 30 days. This consistent rate range offers members predictable financing options for used vehicles. For those seeking affordability, the lower end at 3.49% APR provides a competitive choice. Consider loan terms that suit your budget to optimize monthly payments and total interest costs. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain stable over the past 30 days. Used Auto loans hold steady between 3.75% and 5.00% APR, offering consistent affordability for members. Similarly, Motorcycle loans maintain a low range of 3.75% to 4.75% APR, making them the most cost-effective option. Recreational vehicle loans range from 3.75% to 6.75% APR without any change, providing flexibility for larger purchases. Consider longer loan terms to reduce monthly payments while locking in these competitive rates. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
MAX CREDIT UNION
Used vehicle loan rates at MAX remain steady this week, with the Auto loan APR holding firm at 3.75% and the Recreational loan rate stable at 7.00% over the past 30 days. The 3.75% rate for used auto loans continues to offer an affordable financing option for members seeking reliable transportation. For those interested in lower monthly payments, consider exploring longer-term used auto loans, which may help manage your budget more effectively. For more details, visit https://www.mymax.com/save/personal-financial-rates,
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of September 9, 2026, used vehicle loan rates at AMERICAN AIRLINES Credit Union remain steady with no changes over the past 30 days. The Used Auto loan APR ranges from 3.84% to 4.59%, offering the most affordable financing option for members. Meanwhile, Recreational vehicle loans hold between 5.59% and 6.34% APR. Members seeking lower monthly payments should consider longer-term used auto loans for better affordability. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
NAVY FEDERAL CREDIT UNION
As of September 9, 2026, NAVY FEDERAL CREDIT UNION’s used auto loan rates remain steady at 3.89% to 9.90% APR, consistent with last week but up from a previous low of 7.39% fifteen and thirty days ago. Motorcycle loan rates hold firm between 7.45% and 10.05% APR, showing no recent change. Recreational vehicle loans slightly increased on the upper end to 9.90% APR from 9.80% last week. Members seeking affordability should consider used auto loans for the lowest starting rates; exploring longer terms may help reduce monthly payments. For more details, visit https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html.
TROPICAL FINANCIAL CREDIT UNION
As of September 9, 2026, used auto loan rates at Tropical Financial remain steady between 3.89% and 6.24% APR, showing no change over the past 30 days. Similarly, used recreational vehicle loans hold firm at 5.69% to 8.24% APR. The consistent rates offer members predictable financing costs; for the most affordable option, consider the used auto loan product with rates starting at 3.89% APR. To manage monthly payments effectively, explore longer-term loan options within these stable ranges. For more details, visit https://www.tropicalfcu.com/credit-union-auto-loan/new-auto-loan.
SANDIA AREA FEDERAL CREDIT UNION
Used auto loan rates at SANDIA AREA remain steady at 3.89% to 5.89% APR over the past 30 days, reflecting consistent financing costs for members. The stable range offers predictable budgeting for purchasing a pre-owned vehicle. For members seeking affordability, these rates represent competitive options without recent increases or declines. Consider longer-term used auto loans to potentially lower monthly payments while maintaining these steady rates. For more details, visit https://www.sandia.org/auto-loans,
LOS ANGELES FEDERAL CREDIT UNION
Used Auto Loans at LOS ANGELES remain steady with APRs ranging from 3.90% to 16.75% over the past 30 days, showing no rate fluctuations. This consistency benefits members seeking predictable financing costs for pre-owned vehicles. For those aiming to reduce monthly payments, consider longer-term loan options that may offer more manageable rates despite the broad APR range. Staying informed on these stable rates can help members plan their vehicle purchase with confidence. For more details, visit https://www.lafcu.org/rates,
LendMesh
You wouldn’t buy the first car you test drive—so why settle for the first loan you see? LendMesh helps you shop smarter by comparing vehicle loan rates from multiple lenders. It’s fast, simple, and tailored to you. Start now at https://www.lendmesh.com/loans/vehicle_loans and find your best fit.
Conclusion
Looking ahead, now is a smart time to lock in low rates if you’re considering a new vehicle or refinancing an existing loan, especially through credit unions like UNITED and NECHES that consistently offer attractive APRs. If your current loan has a higher rate or variable terms, exploring refinancing options might reduce your monthly payments and overall interest burden. For motorcycle and recreational vehicle buyers, take advantage of the stable and competitive offerings before any seasonal demand pushes rates up. Keep monitoring these credit union rates regularly; small changes can mean big savings when multiplied over several years. Finally, whether you're buying your first family car or upgrading your ride, getting pre-approved by multiple credit unions can give you better negotiating power at the dealership and help you avoid costly dealer financing traps. Staying informed and proactive about your vehicle financing will ensure you drive away confident you got the best deal possible.