Credit union · NCUA insured
Nova Credit Union Auto Loan Rates
Top CarrotNova Credit Union auto loans start at 3.95% APR for a new vehicle and 3.95% for a used one. Rates checked October 22, 2026.
How Nova Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Nova Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
- Discount
- None included
New and Used Auto Loan
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
- Discount
- None included
3rd-lowest rate
Family Trust Federal Credit Union
3.99%APR
- Terms
- —
- Up to
- 16.29% APR
- Discount
- Included in the rate
Nova Credit Union auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.95%
- Used vehicleUsed3.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Nova 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 and Used Auto Loan
Promotional auto loan rates as low as 3.95% APR on new and used vehicles. Promotion expires October 30, 2026. Minimum auto loan amount is $10,000. Must meet loan and credit qualifications; subject to credit history and credit approval. Election of no payment for up to 60 days available. Existing Nova Credit Union auto loans do not qualify. Drawing for $100 for loans booked between October 1, 2026 and October 30, 2026. Only available to Nova Credit Union members in good standing.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.95% | Promotional rate on new and used vehicles. Promotion expires October 30, 2026. Minimum auto loan amount is $10,000. Subject to credit approval. Election of no payment for up to 60 days available. Existing Nova CU auto loans excluded. Must be member in good standing. |
Sources (1)
- novacu.com/promotions/loans/vehicles/auto-loans · captured Oct 4, 2026
Switch and Ditch Auto Refinance Loan
Switch and Ditch auto refinance promotional rates start as low as 4.25% APR on new or used vehicles from another lender. Promotion expires October 30, 2026. Required minimum auto loan amount is $10,000. Must meet loan and credit qualifications; subject to credit history and credit approval. Not valid on existing Nova CU loans. Printed proof of current APR required. Option for no payment for up to 60 days. Drawing for $100 for loans booked between October 1, 2026 and October 30, 2026. Must be a Nova Credit Union member in good standing.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.25% | Promotional rate when refinancing a new or used vehicle from another lender. Promotion expires October 30, 2026. Minimum auto loan amount is $10,000. Not valid on existing Nova CU loans. Subject to credit approval. Election of no payment for up to 60 days available. Must be member in good standing. |
Sources (2)
All captured Oct 4, 2026
Who can join Nova Credit Union
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