Credit union · NCUA insured
Rave Financial Auto Loan Rates
Top CarrotRave Financial auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Rave Financial’s auto loan rates compare
Compared with banks and credit unions near Beaumont, TX, where Rave Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Rave Financial
5.00%APR
- Terms
- up to 72 months
New & Used Automobiles
Lowest rate
CommonCents CU
3.50%APR
- Terms
- —
2nd-lowest rate
Gulf Credit Union
4.25%APR
- Terms
- up to 60 months
Rave Financial auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rave 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.
Motorcycles/ATV
Rates disclosed may be different based on credit underwriting and/or services used. These rates reflect our best rates. All loan rates are subject to change without prior notice. Loan terms are dependent on amount financed and member/collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.25% | New & Used. Rates reflect best rates and are subject to change without prior notice. |
| up to 36 months | 8.25% | New & Used. Rates reflect best rates and are subject to change without prior notice. |
| up to 48 months | 8.25% | New & Used. Rates reflect best rates and are subject to change without prior notice. |
| up to 60 months | 9.00% | New & Used. Rates reflect best rates and are subject to change without prior notice. |
| up to 66 months | 9.25% | New & Used. Rates reflect best rates and are subject to change without prior notice. |
| up to 72 months | 9.50% | New & Used. Rates reflect best rates and are subject to change without prior notice. |
Sources (1)
- bankwithrave.com/current-rates · captured Oct 16, 2026
New & Used Automobiles
Financing up to 100% of Dealer Invoice and MSRP for new automobiles and up to 100% of NADA Retail Value for used automobiles. Rates disclosed may be different based on credit underwriting and/or services used. Loan terms are dependent on amount financed and member/collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | 100% Financing. Rates reflect best rates and are subject to change without prior notice. |
| up to 36 months | 5.00% | 100% Financing. Rates reflect best rates and are subject to change without prior notice. |
| up to 48 months | 5.00% | 100% Financing. Rates reflect best rates and are subject to change without prior notice. |
| up to 60 months | 5.00% | 100% Financing. Rates reflect best rates and are subject to change without prior notice. |
| up to 66 months | 5.00% | 100% Financing. Rates reflect best rates and are subject to change without prior notice. |
| up to 72 months | 5.00% | 100% Financing. Rates reflect best rates and are subject to change without prior notice. |
| up to 78 months | 5.25% | 100% Financing. Rates reflect best rates and are subject to change without prior notice. |
| up to 84 months | 5.75% | 100% Financing. Rates reflect best rates and are subject to change without prior notice. |
Sources (2)
All captured Oct 16, 2026
Who can join Rave Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Jefferson, Chambers, Hardin, Jasper, Liberty, Newton, Orange, Tyler, Galveston, Harris, Montgomery, San Jacinto, Polk, Angelina, San Augustine, or Sabine County are eligible for membership.
Family and household
- Individuals related to an existing member are eligible for membership.
Cost to join
- Open a savings account and maintain a balance of $5.
Membership information collected October 5, 2026.