Credit union · NCUA insured
Argent Credit Union Auto Loan Rates
Top CarrotArgent Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How Argent Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Argent Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Argent Credit Union
4.49%APR
- Terms
- 49–66 months
- Discount
- Included in the rate
New & Used Cars / Trucks / SUV / Motorcycles
Lowest rate
Credit Union of Richmond
3.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
Call Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Argent Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Argent 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.
New & Used Cars / Trucks / SUV / Motorcycles
For model years 2015 and newer. Rates shown are 'as low as' and assume excellent credit, collateral with loan-to-value (LTV) of 125% or less, and a 0.25% discount for an approved automated payment method. Membership required (open to individuals living, working, attending school, worshiping, or volunteering in Chesterfield, Henrico, Hanover, or the city of Richmond, and their family/housemates; age 18+, U.S. citizen or resident alien). Existing Argent auto loans are not eligible. Excludes commercial vehicles. Regardless of available discounts, 4.24% is the minimum APR offered. Minimum and maximum loan amounts apply.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 4.24% | Rate is 'as low as'. Assumes excellent credit, LTV <= 125%, model year 2015 or newer, and includes a 0.25% discount for an approved automated payment method. Minimum APR offered is 4.24%. |
| 49–66 months | 4.49% | Rate is 'as low as'. Assumes excellent credit, LTV <= 125%, model year 2015 or newer, and includes a 0.25% discount for an approved automated payment method. |
| 67–72 months | 4.74% | Rate is 'as low as'. Assumes excellent credit, LTV <= 125%, model year 2015 or newer, and includes a 0.25% discount for an approved automated payment method. |
| 73–78 months | 5.24% | Rate is 'as low as'. Assumes excellent credit, LTV <= 125%, model year 2015 or newer, and includes a 0.25% discount for an approved automated payment method. |
| 79–84 months | 5.49% | Rate is 'as low as'. Assumes excellent credit, LTV <= 125%, model year 2015 or newer, and includes a 0.25% discount for an approved automated payment method. |
Sources (2)
All captured Oct 15, 2026
Who can join Argent Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who lives, works, attends school, worships, or volunteers in Chesterfield County, Henrico County, Hanover County, or the City of Richmond.
Family and household
- Membership is extended to immediate family members and housemates of eligible individuals, even if that individual is not a member.
Membership information collected October 4, 2026.