Credit union · NCUA insured
Everwise Credit Union Auto Loan Rates
Top CarrotEverwise Credit Union auto loans start at 6.69% APR for a new vehicle and 6.99% for a used one. Rates checked October 15, 2026.
How Everwise Credit Union’s auto loan rates compare
Compared with banks and credit unions near Indianapolis, IN, where Everwise Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Everwise Credit Union
6.69%APR
- Terms
- up to 60 months
- Up to
- —
Auto Purchase Loans
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
Everwise Credit Union auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.69%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Everwise 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 Purchase Loans
Borrower must be a resident of Indiana or Michigan. Subject to membership eligibility requirements and credit approval. Actual APR will vary based on borrower's credit worthiness and underwriting factors. Fees may apply to Auto purchase loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.69% | New (2025 & Newer). Monthly payment estimate per $10,000 borrowed $197.06. |
| up to 60 months | 6.99% | Used (2023-2024). Monthly payment estimate per $10,000 borrowed $198.50. |
| up to 60 months | 7.49% | Used (2021-2022). Monthly payment estimate per $10,000 borrowed $200.91. |
| up to 60 months | 8.29% | Used (2018-2020). Monthly payment estimate per $10,000 borrowed $204.80. |
| up to 36 months | 8.39% | Used (2014-2017). Monthly payment estimate per $10,000 borrowed $316.18. |
Sources (2)
All captured Oct 5, 2026
Auto Refinance Loans
Borrower must be a resident of Indiana or Michigan. Subject to membership eligibility requirements and credit approval. No application fees. We refinance loans from $5,000 to $150,000. Auto loan refinance not intended for purchase transactions, only refinancing of auto loans. Everwise auto loans are eligible for refinancing if at least $5,000 in new money is added to the refinanced loan amount, at least 6 payments have been made on original auto loan and loan to value is sufficient. Actual APR will vary based on borrower's credit worthiness and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.69% | 2025 & Newer. Monthly payment estimate per $10,000 borrowed $192.31. |
| up to 60 months | 5.99% | 2022-2024. Monthly payment estimate per $10,000 borrowed $193.73. |
| up to 60 months | 6.39% | 2018-2021. Monthly payment estimate per $10,000 borrowed $195.63. |
| up to 36 months | 6.79% | 2014-2017. Monthly payment estimate per $10,000 borrowed $308.61. |
Sources (2)
All captured Oct 5, 2026
Who can join Everwise 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 or work in all Indiana counties, except Marion County (which goes by township), are eligible for membership.
- Individuals who live in Berrien and Cass Counties in Michigan, or in Bloomfield, West Bloomfield, Commerce, Clinton, and Macomb townships in Oakland & Macomb Counties, are eligible for membership.
Family and household
- Immediate family members of an existing Everwise Credit Union member under Indiana eligibility guidelines are eligible for membership.
- Non-family members who are tax dependents of an existing member and live in the same household are eligible for membership.
- Immediate family members (parent, child, or sibling by blood or marriage) who live in the same household as an existing Everwise Credit Union member are eligible for membership under Michigan eligibility rules.
Cost to join
- Membership requires a $5 initial Primary Savings deposit.
Membership information collected October 5, 2026.