Credit union · NCUA insured
Orion Financial Auto Loan Rates
Top CarrotOrion Financial auto loans start at 3.95% APR for a new vehicle and 3.95% for a used one. Rates checked October 15, 2026.
How Orion Financial’s auto loan rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where Orion Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans
Lowest rate
SecurCommunity Federal Credit Union
3.90%APR
- Terms
- 1–60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
Kimberly Clark Credit Union
3.99%APR
- Terms
- —
- Up to
- 12.49% APR
- Discount
- None included
Orion Financial auto loan score
93
Auto loan score
Higher than 95% 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 Orion Financial 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 Refinancing
Available to borrowers who meet Orion Financial's credit, collateral and underwriting requirements. Actual rate and loan terms depend on factors including credit history, loan amount, loan term, vehicle model year, vehicle mileage and loan-to-value ratio. Credit and collateral subject to approval. Optional no payments for up to 90 days (interest continues to accrue). Existing Orion Financial auto loans may not be eligible for refinancing. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.95% | As low as 3.95% APR. No hidden application or origination fees. Optional no payments for up to 90 days (interest continues to accrue). Actual rate depends on credit history, loan amount, term, model year, mileage, and LTV. |
Sources (1)
- orionfcu.com/personal-banking/loans/auto-refinance · captured Oct 7, 2026
Auto Loans
Advertised rate includes .25% discount for a loan-to-value of 90% or less. Rates based on creditworthiness and loan term. Approved rates are fixed at consummation. All loans subject to credit approval. Additional terms and conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.95% | Starting at / as low as 3.95% APR. Maximum 84 months. Advertised rate includes .25% discount for a loan-to-value of 90% or less. Rates based on creditworthiness and loan term. Approved rates are fixed at consummation. |
Who can join Orion Financial
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.