Credit union · NCUA insured
Inspire Federal Credit Union Auto Loan Rates
Inspire Federal Credit Union auto loans start at 5.54% APR for a new vehicle and 5.54% for a used one. Rates checked October 16, 2026.
How Inspire Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Inspire Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Inspire Federal Credit Union
5.54%APR
- Terms
- up to 63 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Inspire Federal Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Inspire Federal 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 Loans
Advertised fixed rates include a 0.25% discount with automatic payment from an Inspire FCU checking account that has recurring direct deposit (discount only available on fixed rate loans; APR is increased by 0.25% without direct deposit and autopay). Rate based on creditworthiness, vehicle model year, loan-to-value, and loan term. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.54% | Terms up to 63 months. Advertised fixed rate is as low as 5.54% APR and includes 0.25% autopay/direct deposit discount. Monthly payment per $1,000 is $18.33. |
| up to 75 months | 5.79% | Terms up to 75 months. Advertised fixed rate is as low as 5.79% APR and includes 0.25% autopay/direct deposit discount. Monthly payment per $1,000 is $15.92. |
| up to 84 months | 6.44% | Terms up to 84 months. Advertised fixed rate is as low as 6.44% APR and includes 0.25% autopay/direct deposit discount. Monthly payment per $1,000 is $14.82. |
Who can join Inspire Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.