Credit union · NCUA insured
Enbright Credit Union Auto Loan Rates
Enbright Credit Union auto loans start at 3.75% APR for a new vehicle and 2.99% for a used one. Rates checked October 15, 2026.
How Enbright Credit Union’s auto loan rates compare
Compared with banks and credit unions near Nashville, TN, where Enbright Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Enbright Credit Union
3.75%APR
- Terms
- up to 84 months
- Up to
- —
New Auto Loans
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
3rd-lowest rate
Nashville Post Office Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- —
Enbright Credit Union auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed2.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Enbright 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.
Motorcycle/ATV Loans
Loans for motorcycles and ATVs for personal use. Loan rates depend on member's Equifax credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.49% | For up to 48 months. Rate depends on Equifax credit score. |
| — | 7.49% | For over 48 months. Rate depends on Equifax credit score. |
New Auto Loans
For new cars and trucks for personal use. Loan rates depend on member's Equifax credit score. Finances up to 100% of the sticker price. Terms up to 84 months available; term varies by amount financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | For 36 months or less. Rate depends on Equifax credit score. |
| up to 36 months | 1.99% | For 36 months or less. Term varies by amount financed. |
| up to 48 months | 1.99% | Up to 48 months. Term varies by amount financed. |
| up to 60 months | 1.99% | Up to 60 months. Term varies by amount financed. |
| up to 72 months | 2.50% | Up to 72 months. Term varies by amount financed. |
| up to 84 months | 3.75% | Up to 84 months. Term varies by amount financed. |
Sources (3)
All captured Oct 15, 2026
Used Auto Loans
For pre-owned cars and trucks for personal use. Loan rates depend on member's Equifax credit score. Finances up to 100% of NADA 'clean retail' on used vehicles. Terms up to 84 months available; term varies by amount financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99% | Model Years 2020 – 2022. For 36 months or less. |
| up to 36 months | 1.99% | Model Years 2018 – 2020. For 36 months or less. Term varies by amount financed. |
| up to 48 months | 2.25% | Model Years 2018 – 2020. Up to 48 months. Term varies by amount financed. |
| up to 60 months | 2.45% | Model Years 2018 – 2020. Up to 60 months. Term varies by amount financed. |
| up to 72 months | 2.75% | Model Years 2018 – 2020. Up to 72 months. Term varies by amount financed. |
| up to 84 months | 3.99% | Model Years 2018 – 2020. For 84 months. Term varies by amount financed. |
| up to 60 months | 2.99% | Model Years 2014 – 2017. Up to 60 months. Term varies by amount financed. |
| up to 72 months | 3.25% | Model Years 2014 – 2017. Up to 72 months. Term varies by amount financed. |
| up to 84 months | 4.25% | Model Years 2014 – 2017. Up to 84 months. Term varies by amount financed. |
| up to 36 months | 2.99% | Model Years 2011 – 2013. For 36 months or less. Term varies by amount financed. |
| up to 48 months | 3.75% | Model Years 2011 – 2013. Up to 48 months. Term varies by amount financed. |
| up to 60 months | 4.25% | Model Years 2011 – 2013. Up to 60 months. Term varies by amount financed. |
| up to 72 months | 4.99% | Model Years 2011 – 2013. Up to 72 months. Term varies by amount financed. |
Sources (3)
All captured Oct 15, 2026
Who can join Enbright Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Davidson, Rutherford, or Sumner Counties is eligible to open an account.
- Individuals who live, work, worship, or attend school in Davidson or Sumner Counties in Middle Tennessee are eligible for membership.
- Anyone who lives, works, or worships in Robertson or Cheatham Counties is eligible to open an account.
Employers and groups
- Employees of Nashville Electric Service are eligible for membership.
Family and household
- Family members of Nashville Electric Service employees are eligible for membership.
Cost to join
- A one-time fee of $1 is required to join.
- A minimum balance deposit of $25 in a Primary Savings Account is required to join.
Membership information collected October 5, 2026.