Credit union · NCUA insured
Pathways Financial Credit Union Auto Loan Rates
Top CarrotPathways Financial Credit Union auto loans start at 5.24% APR for a new vehicle and 6.49% for a used one. Rates checked October 16, 2026.
How Pathways Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Columbus, OH, where Pathways Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pathways Financial Credit Union
5.24%APR
- Terms
- up to 85 months
- Up to
- —
- Discount
- None included
New & Used Vehicle Loan
Lowest rate
Homeland Credit Union
4.19%APR
- Terms
- up to 66 months
- Up to
- 16.99% APR
- Discount
- None included
2nd-lowest rate
Abbott Laboratories Employees Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Pathways Financial Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pathways Financial 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 & Used Vehicle Loan
Up to 100% financing available with terms up to 85 months and no pre-payment penalties. Up to 90 days with no payment. Relationship-based financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 85 months | 5.24% | Applies to new and current 3 model year vehicles. Rates as low as stated. Terms up to 85 months available. Rates quoted based on sample loan of $20,000 for a 2017 or newer collateral with under 100,000 miles, credit score of 740, and $175 loan processing fee. State and county recording charges apply. |
| up to 85 months | 6.49% | Applies to used vehicles up to 10 model years old. Rates as low as stated. Terms up to 85 months available. Rates quoted based on sample loan of $20,000 for a 2017 or newer collateral with under 100,000 miles, credit score of 740, and $175 loan processing fee. State and county recording charges apply. |
Sources (2)
All captured Oct 16, 2026
Vehicle Loan Refinance
Up to 100% financing available with financing terms up to 85 months. No pre-payment penalties. Cash out refinance options available. Up to 90 days with no payment. Refinances of existing Pathways loans are subject to a $250 loan refinance fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 85 months | 5.24% | Rates as low as stated. Financing terms up to 85 months. Up to 100% financing available. Up to 90 days with no payments. Refinances of existing Pathways loans subject to a $250 loan refinance fee. |
Sources (3)
All captured Oct 16, 2026
Who can join Pathways Financial Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.