Credit union · NCUA insured
Southeast Financial Credit Union Auto Loan Rates
Southeast Financial Credit Union auto loans start at 4.50% APR for a new vehicle and 5.00% for a used one. Rates checked October 15, 2026.
How Southeast Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Nashville, TN, where Southeast Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southeast Financial Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- —
Car & Truck Loans
Lowest rate
Enbright Credit Union
3.75%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
Southeast Financial Credit Union auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.50%
- 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 Southeast 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.
Car & Truck Loans
Rates are based on credit history. Rates valid as of 10/01/2026. Rates are subject to change without notice. Rates are valid at the time of posting. Minimum loan amount $12,000 for 72 and 84 month terms. Decisions are based on credit history, existing expenses, and income.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 1.00% | New vehicle |
| up to 12 months | 1.50% | Used vehicle |
| up to 24 months | 2.00% | New vehicle |
| up to 24 months | 2.50% | Used vehicle |
| up to 36 months | 3.00% | New vehicle |
| up to 36 months | 3.50% | Used vehicle |
| up to 48 months | 4.00% | New vehicle |
| up to 48 months | 4.50% | Used vehicle |
| up to 60 months | 4.50% | New vehicle |
| up to 60 months | 5.00% | Used vehicle |
| up to 72 months | 5.00% | New vehicle |
| up to 72 months | 6.00% | Used vehicle |
| up to 84 months | 6.00% | New vehicle |
| up to 84 months | 7.00% | Used vehicle |
Sources (3)
- southeastfinancial.org/car-truck-loans
- southeastfinancial.org/rates
- southeastfinancial.org/vehicle-loan-rates
All captured Oct 5, 2026
Who can join Southeast Financial Credit Union
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