Credit union · NCUA insured
NET Credit Union Auto Loan Rates
NET Credit Union auto loans start at 5.89% APR for a new vehicle and 5.89% for a used one. Rates checked October 16, 2026.
How NET Credit Union’s auto loan rates compare
Compared with banks and credit unions near Scranton, PA, where NET Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NET Credit Union
5.89%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
UFCW Community Federal Credit Union
3.70%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
NET Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.89%
- Used vehicleUsed5.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NET 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
Risk-based lending rates as low as, based on credit score. Up to 100% financing for qualified members. Lock in rate for 60 days. Reduced interest rate with automatic loan payment. No prepayment penalties. No application fee. Terms up to 120 months on autos. Term of loan is subject to minimum amounts financed (e.g., minimum $10,000 financed for 60 month term).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.39% | Payment example per $1,000 borrowed is $30.15. As low as rate based on credit score. |
| up to 60 months | 5.89% | Payment example per $1,000 borrowed is $19.29. Minimum amount financed for a 60 month term is $10,000. As low as rate based on credit score. |
Sources (3)
All captured Oct 16, 2026
Who can join NET 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This may be incomplete or out of date, so check with the credit union before you apply.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 in the NET Neighborhood are eligible for membership.
Employers and groups
- Individuals who work for or are associated with one of NET's Preferred Partner Groups are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild, including step- and adoptive relationships) or housemates of an eligible member can join, and the primary member does not need to join first.
Membership information collected October 5, 2026.