Bank · FDIC insured
United Bank Auto Loan Rates
Top CarrotUnited Bank auto loans start at 4.99% APR for a new vehicle and 6.20% for a used one. Rates checked October 22, 2026.
How United Bank’s auto loan rates compare
Compared with banks and credit unions near Daphne, AL, where United Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
United Bank
4.99%APR
- Terms
- 37–60 months
- Up to
- —
New Auto Loans
Lowest rate
Navigator Credit Union
4.24%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
PenAir Credit Union
4.74%APR
- Terms
- 36–84 months
- Up to
- 17.49% APR
United Bank auto loan score
78
Auto loan score
Higher than 46% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed6.20%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loans
New vehicle loans available for terms up to 84 months. Current model year defined as 2026 or untitled. Subject to credit approval; rates and terms may vary based on creditworthiness. A 0.25% rate reduction is available with automatic payments from a United Bank account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Credit score 715+. Lowest available APR. |
| up to 36 months | 5.43% | Credit score 714–665. Lowest available APR. |
| up to 36 months | 7.99% | Credit score 664–615. Lowest available APR. |
| 37–60 months | 4.99% | Credit score 715+. Lowest available APR. |
| 37–60 months | 5.32% | Credit score 714–665. Lowest available APR. |
| 37–60 months | 7.88% | Credit score 664–615. Lowest available APR. |
| 61–84 months | 5.53% | Credit score 715+. Lowest available APR. |
| 61–84 months | 5.68% | Credit score 714–665. Lowest available APR. |
| 61–84 months | 8.23% | Credit score 664–615. Lowest available APR. |
Used Auto Loans
Used vehicle loans available up to 72 months; must be within 8 model years. Subject to credit approval; rates and terms may vary based on creditworthiness. A 0.25% rate reduction is available with automatic payments from a United Bank account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.05%–8.13% | Minimum APR requires credit score 715+; maximum APR applies to credit score 664–615. Rates shown are the lowest available APR by term and credit score tier. Not greater than 8 years. |
| 37–60 months | 6.20%–8.27% | Minimum APR requires credit score 715+; maximum APR applies to credit score 664–615. Rates shown are the lowest available APR by term and credit score tier. Not greater than 8 years. |
| 61–72 months | 6.67%–8.72% | Minimum APR requires credit score 715+; maximum APR applies to credit score 664–615. Rates shown are the lowest available APR by term and credit score tier. Not greater than 8 years. |
Sources (1)
- unitedbank.com/borrow/auto-loans · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.