Credit union · NCUA insured
Vibe Credit Union Auto Loan Rates
Vibe Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Vibe Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Vibe Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Vibe Credit Union
5.24%APR
- Terms
- 49–60 months
- Discount
- None included
Vehicle Loans
Lowest rate
Chief Financial Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
FreeStar Financial Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Vibe Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Vibe 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.
Classic Vehicle Loans
1999 or Older Model Years. New members must qualify for membership and deposit $5 into a Vibe Savings Account. Quoted rates include a 0.25% member loyalty discount for auto-pay. Additional loyalty discount on some loans with mortgage/HELOC >= $25,000. Salvage/Rebuilt/Replica/Assembled titles add 2% to rate.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 6.99% | 1999 or Older Model Years. Quoted rates include 0.25% auto-pay loyalty discount. |
| 61–84 months | 6.99% | 1999 or Older Model Years. Quoted rates include 0.25% auto-pay loyalty discount. |
| 85–120 months | 6.99% | 1999 or Older Model Years. Quoted rates include 0.25% auto-pay loyalty discount. |
Sources (1)
- vibecreditunion.com/rates · captured Oct 16, 2026
First-Time Auto Buyer Loans
For first-time buyers with no previous auto credit. New or used vehicles up to 8 years old (model year 2018 or newer with fewer than 120,000 miles). Max loan $25,000, max term 60 months, 90% LTV or trade equity required. Minimum 6 months employment with verifiable annual income of at least $18,000. Requires $500 deposit hold in savings account and $5 deposit to qualify for membership. Rate discount of 2.00% after 6 consecutive on-time payments. Quoted rates include a 0.25% member loyalty rate discount when auto pay is set up. Additional loyalty discount may apply with mortgage/home equity balance >= $25,000. Salvage/Rebuilt/Replica/Assembled titles add 2% to rate.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 11.49% | 2018-2026 Model Years. Quoted rates include a 0.25% member loyalty rate discount when auto-pay is set up. |
| 49–60 months | 12.49% | 2018-2026 Model Years. Quoted rates include a 0.25% member loyalty rate discount when auto-pay is set up. |
Sources (2)
All captured Oct 16, 2026
Vehicle Loans
New members must qualify for membership and deposit $5 into a Vibe Savings Account. Rates are based on credit history. Quoted rates include a 0.25% member loyalty discount for auto-pay and an additional 0.25% discount may apply with a qualifying mortgage/HELOC balance of $25,000 or greater. Salvage/Rebuilt/Replica/Assembled titles add 2% to rate. Financing available for new, used, and refinanced vehicles. Terms up to 84 months, or 48 months for older models. Full insurance required if loan balance exceeds $4,000. No early payoff penalties. Processing charge of $100 may apply if a refinance of an existing Vibe loan is permitted.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 4.99% | 2025-2026 Model Years. Quoted rates include 0.25% member loyalty auto-pay discount. |
| 49–60 months | 5.24% | 2025-2026 Model Years. Quoted rates include 0.25% member loyalty auto-pay discount. |
| 61–72 months | 5.49% | 2025-2026 Model Years. Quoted rates include 0.25% member loyalty auto-pay discount. |
| 73–84 months | 5.74% | 2025-2026 Model Years. Quoted rates include 0.25% member loyalty auto-pay discount. |
| 1–60 months | 7.99% | 2012-2017 Model Years. Quoted rates include 0.25% member loyalty auto-pay discount. |
Sources (2)
All captured Oct 16, 2026
Who can join Vibe Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.