Credit union · NCUA insured
TEN Credit Union Auto Loan Rates
TEN Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 15, 2026.
How TEN Credit Union’s auto loan rates compare
Compared with banks and credit unions near Nashville, TN, where TEN Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TEN Credit Union
5.49%APR
- Terms
- up to 63 months
- Up to
- —
Auto 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
TEN Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TEN 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.
Auto Loans
Membership with Ten Credit Union required to obtain a loan. Base APR may vary based on creditworthiness, vehicle age, mileage, loan terms, surcharges, and loan-to-value. Financing up to the retail value of the auto is available. Rate cannot fall lower than 4.99% APR and will not exceed 18% APR. Longer terms are available.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | 2021 - Current New or Used Auto. |
| up to 63 months | 5.74% | 2016 - 2019 Used Auto. |
| up to 60 months | 8.99% | 2015 - Older Used Autos. |
Sources (2)
All captured Oct 5, 2026
Motorcycle Loans
Membership with Ten Credit Union is required to obtain a loan. Rates and terms are subject to change and individual credit approval. APR is based on the applicant's credit history, qualifications, the age of the vehicle, and loan terms. Not all applicants will qualify for the lowest rate. Offer does not apply to loans currently financed by Ten Credit Union. Longer terms available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99% | 2025 - Current > 3,000 miles New. Longer terms available. |
| up to 48 months | 7.99% | 2024 - 2020 Used. Longer terms available. |
| up to 48 months | 8.99% | 2019 - 2015 Used. Longer terms available. |
Sources (2)
All captured Oct 5, 2026
Who can join TEN Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.