Compare Bank & Credit Union Rates
Best auto loan rates in Johnson City, TN
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–10 of 10 in Johnson City, TN · median 5.24% APR
- 3.75%APRas low as
Terms
New Auto ('26 or Newer). Up to 120% amount. Payment per $1,000 is $16.58- $29.40.
Auto loan score 87 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 16.25%
4.25% APR, up to 16.25%
Terms
New collateral; interest calculated as simple interest on unpaid balances.
Auto loan score 89 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 12.24%
4.74% APR, up to 12.24%
Terms
Rates accurate as of October 15, 2026 and are subject to change. Collateral type New Auto. Term 36 - 120 months. APR refers to Annual Percentage Rate; listed rates are our best rates and your rate may be higher depending on credit history, underwriting criteria and loan amount. Payment example is based on $20,000 for 75 months.
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate is As low As 4.75%. Financing up to 100% of Retail Value.
Auto loan score 86 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - Northeast Community Credit UnionNew or Used Cars and Trucks (2023-2026) · up to 60 months
Credit union · 1 branch
4.99%APRas low asTerms
Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts.
Auto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
2021 - Current New or Used Auto.
Auto loan score 70 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.55%APRas low as
Terms
New Autos (upcoming, current & previous vehicle model years - under 10,000 miles). As low as rate.
Auto loan score 67 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
APR as low as stated; for 2020 and newer model vehicles; term up to 84 months
Auto loan score 64 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - Knoxville TVA Employees Credit UnionNew Auto Loan (2021-2026) · up to 84 months
Credit union · 1 branch
5.99%APRas low asTerms
Rates increase by 1.00% for autos over 100,000 miles.
Auto loan score 64 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Johnson City, TN
10 banks and credit unions · checked Oct 15–22
- Typical
- 5.24%
- Top 10% up to
- 4.20%
- Banks, typical
- 6.39%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Johnson City, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 1 branch
- United Southeast Federal Credit UnionCredit union · 1 branch
- Appalachian Community Federal Credit UnionCredit union · 1 branch