Credit union · NCUA insured
Robins Financial Credit Union Auto Loan Rates
Robins Financial Credit Union auto loans start at 4.10% APR for a new vehicle and 4.35% for a used one. Rates checked October 22, 2026.
How Robins Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Warner Robins, GA, where Robins Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Robins Financial Credit Union
4.10%APR
- Terms
- up to 60 months
New Vehicle Loans
Lowest rate
HEA Federal Credit Union
3.75%APR
- Terms
- up to 60 months
2nd-lowest rate
MidSouth Community Federal Credit Union
3.75%APR
- Terms
- 49–60 months
Robins Financial Credit Union auto loan score
92
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew4.10%
- Used vehicleUsed4.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Robins 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 Vehicle Loans
100% financing on new autos. No loan processing fees. No pre-payment penalty. Optional dual approval workflow.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.10% | 2026 under 15,000 miles. |
| up to 72 months | 5.00% | 2026 under 15,000 miles. |
| up to 84 months | 5.80% | 2026 under 15,000 miles. |
Used Vehicle Loans
Borrow up to 100% NADA average retail on used automobiles. No loan processing fees. Used auto loan rates apply to models generally up to seven years old; used autos over 7 years old may be considered with a max term of 36 months. No pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.35% | Used Autos (1-3 years old), 2026-2023. |
| up to 66 months | 5.00% | Used Autos (1-3 years old), 2026-2023 greater than $12,000. |
| up to 72 months | 5.50% | Used Autos (1-3 years old), 2026-2023 greater than $15,000. |
| up to 84 months | 6.00% | Used Autos (1-3 years old), 2026-2023 greater than $30,000 under 40,000 miles. |
| up to 60 months | 6.00% | Used Autos (4-8 years old), 2022-2018. |
| up to 66 months | 6.50% | Used Autos (4-8 years old), 2022-2018 greater than $12,000. |
| up to 72 months | 7.00% | Used Autos (4-8 years old), 2022-2018 greater than $20,000 under 80,000 miles. |
Who can join Robins Financial Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.