Credit union · NCUA insured
Directions Credit Union Auto Loan Rates
Top CarrotDirections Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Directions Credit Union’s auto loan rates compare
Compared with banks and credit unions near Toledo, OH, where Directions Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Directions Credit Union
5.49%APR
- Terms
- up to 84 months
Vehicle Loan
Lowest rate
Millstream Area Credit Union
4.50%APR
- Terms
- —
2nd-lowest rate
Cornerstone Community Financial Credit Union
4.69%APR
- Terms
- 40–64 months
Directions Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Directions 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 Refinancing
Refinance from another financial institution for new & used vehicles. Save 0.25% with a Directions Credit Union checking account with Direct Deposit and Auto Pay, and combine with a 0.10% Premium Checking discount.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | As low as 5.49% for new & used vehicles. Additional discounts available: 0.25% discount with checking account, Direct Deposit, and Auto Pay; 0.10% discount with Premium Checking. |
Sources (1)
- directionscu.org/personal/borrow/vehicle-loans · captured Oct 16, 2026
Vehicle Loan
For new or used vehicles. Terms up to 84 months, up to 100% financing, free pre-approvals, and no pre-payment penalties. Rates are based on credit qualifications, not on the vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49% | Up to 84 months; up to 100% financing; no pre-payment penalties; rates based on credit qualifications. |
Sources (1)
- directionscu.org/personal/borrow/vehicle-loans · captured Oct 16, 2026
Who can join Directions Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in specified counties in Ohio (Ashland, Crawford, Erie, Fulton, Huron, Knox, Lorain, Lucas, Medina, Morrow, Ottawa, Richland, Sandusky, Seneca, Tuscarawas, Wayne, Wood) or lower Michigan (Monroe, Lenawee) are eligible for membership.
Family and household
- Family members (grandparents, parents, spouse, siblings, children, grandchildren) and household members of eligible members are eligible to join.
Membership information collected October 5, 2026.