Credit union · NCUA insured
EFCU Financial Auto Loan Rates
EFCU Financial auto loans start at 5.94% APR for a new vehicle and 5.94% for a used one. Rates checked October 16, 2026.
How EFCU Financial’s auto loan rates compare
Compared with banks and credit unions near Baton Rouge, LA, where EFCU Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
EFCU Financial
5.94%APR
- Terms
- 37–63 months
- Up to
- 17.20% APR
Auto Loans
Lowest rate
Formation Credit Union
3.15%APR
- Terms
- up to 72 months
- Up to
- —
2nd-lowest rate
Baton Rouge City Parish Employees FCU
3.99%APR
- Terms
- up to 84 months
- Up to
- —
EFCU Financial auto loan score
67
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew5.94%
- Used vehicleUsed5.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where EFCU 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.
Auto Loans
Rates are based on creditworthiness. Minimum loan of $5,000 for qualified applicants. 2018 max term is 66 mos. For rates on models prior to 2017, call (225) 214-6800.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.69%–16.95% | New & Used (2019 - current year). Minimum loan of $5,000 for qualified applicants. |
| 37–63 months | 5.94%–17.20% | New & Used (2019 & current year). Minimum loan of $5,000 for qualified applicants. |
| 64–75 months | 6.19%–17.45% | New & Used (2019 & current year). 2018 max term is 66 mos. Minimum loan of $5,000 for qualified applicants. |
| 76–79 months | 6.34%–9.14% | New & Used (2019 & current year). 2018 max term is 66 mos. Minimum loan of $5,000 for qualified applicants. |
| 80–84 months | 6.34%–9.14% | New & Used (under 30,000 miles). Minimum loan of $5,000 for qualified applicants. |
| 85–96 months | 7.24%–7.64% | New Units (min ln amt - $50,000). Minimum loan of $50,000. |
Sources (1)
- efcufinancial.org/loans/personal-loans/auto-loans · captured Oct 5, 2026
Who can join EFCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- EFCU Financial operates under a community charter encompassing nine parishes: Ascension, East Baton Rouge, East Feliciana, Iberville, Livingston, Pointe Coupee, St. Helena, West Baton Rouge, and West Feliciana.
Cost to join
- Membership is free with no hidden costs to be an EFCU Financial member.
Membership information collected October 5, 2026.