Credit union · NCUA insured
Instep Credit Union Auto Loan Rates
Top CarrotInstep Credit Union auto loans start at 3.75% APR for a new vehicle and 3.75% for a used one. Rates checked October 16, 2026.
How Instep Credit Union’s auto loan rates compare
Compared with banks and credit unions near New Orleans, LA, where Instep Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Instep Credit Union
3.75%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
New and Used Auto
Lowest rate
Post Office Employees Credit Union
2.74%APR
- Terms
- up to 72 months
- Discount
- None included
3rd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Instep Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed3.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Instep 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 Loan Refinance
Auto Refinance Program applies to refinanced vehicles from another financial institution and cannot be applied to a loan that is already funded at Instep Credit Union. Rate includes a 1.00% APR discount for members with direct deposit for at least 3 consistent months. Not included on auto loan specials. Rate depends on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 56 months | 3.75% | Rate shown as low as 3.75% APR, quoted for 56 months with payments per $1,000 equal to $19.50/month. Includes a 1.00% APR discount for members with direct deposit for at least 3 consistent months. |
Sources (1)
- instepmembers.com/auto-loans · captured Oct 16, 2026
New and Used Auto
We offer the same rate on new or used vehicles. Rate includes a 1.00% APR direct deposit discount (member must have direct deposit for at least 3 consistent months with Instep to qualify; not included on auto loan specials). Rates depend on creditworthiness. No payments up to 60 days available on qualifying loans (interest continues to accrue).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.75% | Rate shown is as low as 3.75% APR for terms up to 72 months. Includes a 1.00% APR discount for members with active direct deposit (and rate page mentions 0.25% discount for 48-month loan term; p1 quotes 56 months at $19.50/month per $1,000). Rate depends on creditworthiness. |
Sources (3)
All captured Oct 16, 2026
Who can join Instep Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.