Credit union · NCUA insured
Allegacy Financial Auto Loan Rates
Top CarrotAllegacy Financial auto loans start at 4.69% APR for a new vehicle and 4.69% for a used one. Rates checked October 22, 2026.
How Allegacy Financial’s auto loan rates compare
Compared with banks and credit unions near Winston-Salem, NC, where Allegacy Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Allegacy Financial
4.69%APR
- Terms
- 1–66 months
- Up to
- —
New Auto Loan
Lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
Allegacy Financial auto loan score
86
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.69%
- Used vehicleUsed4.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Allegacy Financial 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.
Extended Mileage Auto Loan
Up to 100% of Purchase Price not to exceed 10% over the Manufacturer's Suggested Retail Price (MSRP). Up to NADA retail value (based on creditworthiness). Loan Rates subject to determination of creditworthiness. Maximum age of vehicle: 10 years old. Maximum mileage can exceed 100,000 miles. Maximum length of loan subject to loan amount: $10,000+ up to 5 years; $5,000+ up to 4 years; and less than $5,000 up to 3 years. Approvals valid for up to 60 days.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 6.94% | With payroll deduction or automatic draft. Maximum age: 10 years old; mileage can exceed 100,000 miles. Subject to creditworthiness. |
| 1–48 months | 7.44% | Non-payroll deduction / without automatic draft. Maximum age: 10 years old; mileage can exceed 100,000 miles. Subject to creditworthiness. |
| 49–60 months | 7.14% | With payroll deduction or automatic draft. Maximum age: 10 years old; mileage can exceed 100,000 miles. Subject to creditworthiness. |
| 49–60 months | 7.64% | Non-payroll deduction / without automatic draft. Maximum age: 10 years old; mileage can exceed 100,000 miles. Subject to creditworthiness. |
Sources (3)
- allegacy.org/personal/vehicle-loans
- allegacy.org/personal/vehicle-loans/extended-mileage
- allegacy.org/rates
All captured Oct 4, 2026
New Auto Loan
Up to 100% of Purchase Price not to exceed 10% over the Manufacturer's Suggested Retail Price (MSRP). Up to 110% financing may be available. Subject to creditworthiness. Approvals valid for up to 60 days. Typically applies to vehicles with fewer than 5,000 miles from the current, previous, or upcoming model year.
| Terms | APR | Conditions |
|---|---|---|
| 1–66 months | 4.69% | With payroll deduction or automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
| 1–66 months | 5.19% | Non-payroll deduction / without automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
| 67–75 months | 5.20% | With payroll deduction or automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
| 67–75 months | 5.70% | Non-payroll deduction / without automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
| 76–84 months | 5.35% | With payroll deduction or automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
| 76–84 months | 5.85% | Non-payroll deduction / without automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
Sources (3)
All captured Oct 4, 2026
Used Auto Loan
Up to 100% of Purchase Price not to exceed 10% over the Manufacturer's Suggested Retail Price (MSRP). NADA retail value (based on creditworthiness), 90% of List Price if automobile does not appear in NADA Guide. Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles. Loan Rates subject to determination of creditworthiness. Approvals valid for up to 60 days. Must be at least 18 years old and qualify for Allegacy Financial membership.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 4.69% | With payroll deduction or automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Maximum age: 7 years old; maximum mileage: 100,000 miles. Subject to creditworthiness. |
| 1–60 months | 5.19% | Non-payroll deduction / without automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Maximum age: 7 years old; maximum mileage: 100,000 miles. Subject to creditworthiness. |
| 61–66 months | 5.20% | With payroll deduction or automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Maximum age: 7 years old; maximum mileage: 100,000 miles. Subject to creditworthiness. |
| 61–66 months | 5.70% | Non-payroll deduction / without automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Maximum age: 7 years old; maximum mileage: 100,000 miles. Subject to creditworthiness. |
| 67–75 months | 5.35% | With payroll deduction or automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Maximum age: 7 years old; maximum mileage: 100,000 miles. Subject to creditworthiness. |
| 67–75 months | 5.85% | Non-payroll deduction / without automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Maximum age: 7 years old; maximum mileage: 100,000 miles. Subject to creditworthiness. |
Sources (3)
All captured Oct 4, 2026
Vans & Custom Vehicle Loans
Financing for cargo vans, custom builds, mobility vans, and accessible modifications. Qualified borrowers may finance up to 90% of new van list price/chassis list price, and up to 50% of approved accessibility modifications. Used vans eligible up to 100,000 miles. Approvals valid for up to 60 days.
| Terms | APR | Conditions |
|---|---|---|
| 1–66 months | 5.19% | With payroll deduction or automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
| 1–66 months | 5.69% | Non-payroll deduction / without automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
| 67–75 months | 5.70% | With payroll deduction or automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
| 67–75 months | 6.20% | Non-payroll deduction / without automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
| 76–84 months | 5.85% | With payroll deduction or automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
| 76–84 months | 6.35% | Non-payroll deduction / without automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness. |
Sources (1)
- allegacy.org/personal/vehicle-loans/custom-vehicles · captured Oct 4, 2026
Who can join Allegacy Financial
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.