Credit union · NCUA insured
Xplore Federal Credit Union Auto Loan Rates
Xplore Federal Credit Union auto loans start at 5.43% APR for a new vehicle and 5.93% for a used one. Rates checked October 16, 2026.
How Xplore Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New Orleans, LA, where Xplore Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Xplore Federal Credit Union
5.43%APR
- Terms
- up to 84 months
- Discount
- None included
New Auto Loans
Lowest rate
Post Office Employees Credit Union
2.74%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
Instep Credit Union
3.75%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Xplore Federal Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.43%
- Used vehicleUsed5.93%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Xplore Federal 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.
1st Time Auto Loan
For members with little to no credit history (e.g. fresh out of college and working) on new or used vehicles. Actual rate may vary based on credit score, surcharges, and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.93% | Terms up to 60 months. No payments for up to 45 days. No prepayment penalties. |
Auto Loan Refinancing
Refinance current vehicle from another financial institution (not eligible for loans currently financed with Xplore FCU). Up to 1% off competitor APR with a minimum refinance amount of $10,000. Rate cannot fall lower than 5.43% APR and will not exceed 18% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.43% | Terms up to 84 months. No payments for up to 45 days. No prepayment penalties. Rate cannot fall lower than 5.43% APR and will not exceed 18% APR. |
Sources (2)
- xplorefcu.com/loans-credit/auto-loans/index.html
- xplorefcu.com/loans-credit/aut…ns/auto-refinancing.html
All captured Oct 7, 2026
New Auto Loans
Up to 120% financing available for qualified buyers. Actual rate may vary based on credit score, surcharges, loan term, and loan-to-value. Rate cannot fall lower than 5.43% APR and will not exceed 18% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.43% | Fixed rates on new vehicles. Terms up to 84 months. No payments for up to 45 days. No prepayment penalties. Rate cannot fall lower than 5.43% APR and will not exceed 18% APR. |
Used Auto Loans
Up to 120% financing available for qualified buyers. Actual rate may vary based on credit score, surcharges, loan term, and loan-to-value. Used Auto Loan Rate cannot fall lower than 5.93% APR and will not exceed 18% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.93% | Fixed rates on used vehicles. Terms up to 84 months. No payments for up to 45 days. No prepayment penalties. Rate cannot fall lower than 5.93% APR and will not exceed 18% APR. |
Who can join Xplore Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Jefferson, Orleans, or St. Tammany Parishes.
Membership information collected October 5, 2026.