Credit union · NCUA insured
Horizon Credit Union Auto Loan Rates
Horizon Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 15, 2026.
How Horizon Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kingsport, TN-VA, where Horizon Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Horizon Credit Union
5.00%APR
- Terms
- 37–60 months
- Up to
- 17.00% APR
New & Used Auto
Lowest rate
United Southeast Federal Credit Union
3.75%APR
- Terms
- 36–84 months
- Up to
- —
2nd-lowest rate
Eastman Credit Union
4.74%APR
- Terms
- 36–120 months
- Up to
- 12.24% APR
Horizon Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Horizon 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 Auto
A $50.00 application fee will be added to all consumer loans. Secured loans for autos have a $250 loan fee. Share minimum balance is $5.00. Best rates listed; rate may be higher depending on credit history, underwriting criteria, and loan amount. Rates Effective: November 20, 2024.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50%–17.00% | Credit Rating A: 4.50% APR; Credit Rating B: 6.50% APR; Credit Rating C: 12.50% APR; Credit Rating D: 17.00% APR. Best rates listed; your rate may be higher depending on credit history, underwriting criteria and loan amount. |
| 37–60 months | 5.00%–17.00% | Credit Rating A: 5.00% APR; Credit Rating B: 7.00% APR; Credit Rating C: 13.00% APR; Credit Rating D: 17.00% APR. Best rates listed; your rate may be higher depending on credit history, underwriting criteria and loan amount. |
| 61–72 months | 5.50%–17.00% | Credit Rating A: 5.50% APR; Credit Rating B: 7.50% APR; Credit Rating C: 13.50% APR; Credit Rating D: 17.00% APR. Best rates listed; your rate may be higher depending on credit history, underwriting criteria and loan amount. |
| up to 84 months | 6.25%–17.00% | Credit Rating A: 6.25% APR; Credit Rating B: 8.25% APR; Credit Rating C: 14.25% APR; Credit Rating D: 17.00% APR. Best rates listed; your rate may be higher depending on credit history, underwriting criteria and loan amount. |
Older Used Auto Loan
A $50.00 application fee will be added to all consumer loans. Secured loans for autos have a $250 loan fee. Share minimum balance is $5.00. Best rates listed; rate may be higher depending on credit history, underwriting criteria, and loan amount. Rates Effective: November 20, 2024.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00%–17.00% | Credit Rating A: 6.00% APR; Credit Rating B: 8.00% APR; Credit Rating C: 14.00% APR; Credit Rating D: 17.00% APR. Best rates listed; your rate may be higher depending on credit history, underwriting criteria and loan amount. |
Vehicle Loan (Hometown Loans)
Vehicle Loan Rates as low as 1.75%. A $50.00 application fee will be added to all consumer loans. Secured loans for autos have a $250 loan fee. Share minimum balance is $5.00.
| Terms | APR | Conditions |
|---|---|---|
| — | 1.75% | Vehicle Loan Rates as low as 1.75% |
Sources (2)
All captured Oct 5, 2026
Who can join Horizon Credit Union
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