Credit union · NCUA insured
Addition Financial Credit Union Auto Loan Rates
Addition Financial Credit Union auto loans start at 5.51% APR for a new vehicle and 6.07% for a used one. Rates checked October 15, 2026.
How Addition Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Orlando, FL, where Addition Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Addition Financial Credit Union
5.51%APR
- Terms
- 24–66 months
New Auto Loan
Lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
2nd-lowest rate
Unity of Eatonville FCU
3.99%APR
- Terms
- up to 72 months
Addition Financial Credit Union auto loan score
68
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew5.51%
- Used vehicleUsed6.07%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Addition Financial Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinance
Maximum term up to 84 months based on amount financed and model year. Financing available up to 125% of MSRP/JD Power retail value based on credit score. Monthly loan calculated using Simple Interest Method. Interest calculated on monthly unpaid balance. Subject to qualification of borrower. Loan processing fee is 2% of loan amount issued ($30 min, $85 max).
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 7.07% | Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed. Auto loans with 67–78-month terms are subject to an additional 25 bps or .25% rate increase, and 79–84-month terms are subject to an additional 50 bps or .50% rate increase. |
Sources (2)
All captured Oct 15, 2026
Motorcycle Loan
Based on vehicle/vessel year, underwriting, and/or amount borrowed. Auto and motorcycle loans with 67–78-month terms are subject to an additional 25 bps or .25% rate increase, auto and motorcycle loans with 79–84-month terms are subject to an additional 50 bps or .50% rate increase. Monthly Addition Financial loans calculated using Simple Interest Method. Interest calculated on monthly unpaid balance. Subject to qualification of borrower. Loan processing fee is 2% of loan amount issued ($30 min, $85 max).
| Terms | APR | Conditions |
|---|---|---|
| 24–66 months | 7.99% | Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed. |
| 24–66 months | 8.44% | Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed. |
Sources (1)
- additionfi.com/personal/rate/vehicle-loans · captured Oct 15, 2026
New Auto Loan
Maximum term up to 84 months based on amount financed and model year. Financing available up to 125% of MSRP/JD Power retail value based on credit score. Financing available up to 100,000 miles and 10 years old. Monthly loan calculated using Simple Interest Method. Interest calculated on monthly unpaid balance. Subject to qualification of borrower. Loan processing fee is 2% of loan amount issued ($30 min, $85 max).
| Terms | APR | Conditions |
|---|---|---|
| 24–66 months | 5.51% | Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed. |
| 67–84 months | 6.01% | Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed. Auto loans with 67–78-month terms are subject to an additional 25 bps or .25% rate increase; 79–84-month terms subject to an additional 50 bps or .50% rate increase. |
Sources (2)
All captured Oct 15, 2026
Used Auto Loan (Purchase Only)
Maximum term up to 84 months based on amount financed and model year. Financing available up to 125% of MSRP/JD Power retail value based on credit score. Financing available up to 100,000 miles and 10 years old. Monthly loan calculated using Simple Interest Method. Interest calculated on monthly unpaid balance. Subject to qualification of borrower. Loan processing fee is 2% of loan amount issued ($30 min, $85 max).
| Terms | APR | Conditions |
|---|---|---|
| 24–66 months | 6.07% | Purchase only. Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed. |
| 67–84 months | 6.57% | Purchase only. Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed. Auto loans with 67–78-month terms are subject to an additional 25 bps or .25% rate increase; 79–84-month terms subject to an additional 50 bps or .50% rate increase. |
Sources (2)
All captured Oct 15, 2026
Who can join Addition Financial Credit Union
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