Credit union · NCUA insured
Ardent Credit Union Auto Loan Rates
Ardent Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Ardent Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Ardent Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ardent Credit Union
5.24%APR
- Terms
- up to 66 months
- Up to
- —
- Discount
- None included
New Auto
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Ardent Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ardent 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.
Classic Auto
Tiered rates based on creditworthiness. Borrower must meet credit union lending guidelines. Not available in Puerto Rico.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.74% | — |
Sources (1)
- ardentcu.org/resources/rates · captured Oct 16, 2026
First-Time Buyer Auto Loan
Maximum loan amount of $30,000. Borrower must be age 18 or older with no prior auto or mortgage loan history. Limited to vehicles 2016 or newer and up to 100,000 miles. Tiered rates based on creditworthiness. Not available in Puerto Rico.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 5.99% | Maximum loan amount $30,000. Limited to vehicles 2016 or newer and up to 100,000 miles. Age 18 or older with no prior auto or mortgage loan history. |
Sources (1)
- ardentcu.org/resources/rates · captured Oct 16, 2026
New Auto
A new vehicle is defined as 2025 or newer model year with 5,000 miles or less. New car value determined by MSRP. Finance up to 100% of vehicle value plus tax, tags, and warranty. Tiered rates based on creditworthiness. Not available in Puerto Rico.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | — |
| up to 66 months | 5.24% | — |
| up to 75 months | 5.49% | — |
| up to 84 months | 6.24% | $25,000 minimum loan amount required. |
Used Auto
A used vehicle is defined as any model year with over 5,000 miles. Used car value determined by using current NADA retail book value (rates table disclosure) / J.D. Power Clean Retail (FAQ). Finance up to 100% of value for vehicles up to seven years old, plus tax, tags and warranty. Tiered rates based on creditworthiness. Auto loans are not available in Puerto Rico.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | Vehicle must be 2015 or newer. |
| up to 66 months | 5.24% | Vehicle must be 2017 or newer. |
| up to 75 months | 5.49% | Vehicle must be 2018 or newer. |
| up to 84 months | 6.24% | Vehicle must be 2021 or newer. $25,000 minimum loan amount required. |
Who can join Ardent Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Prospective members anywhere in the country can join Ardent Credit Union by enrolling in the American Consumer Council (ACC), with enrollment facilitated by Ardent at no cost during account opening.
Employers and groups
- Employees of Ardent's Select Employee Group (SEG) partner organizations are eligible for membership.
Family and household
- Individuals are eligible for membership through qualifying immediate family or household members.
Membership information collected October 5, 2026.