Auto Loan Rates in Birmingham, AL
Auto Loan Rates
| Vehicle Loans | |||
| Years | Term | APR | Payment |
|---|---|---|---|
| 2022 – 2025 | Up to 48 Months | As low as 5.25% | Monthly payment of $23.14 per $1,000.00 borrowed |
| 49 – 63 Months | As low as 5.50% | Monthly payment of $18.31 per $1,000.00 borrowed | |
| 64-75 Months | As low as 6.00% | Monthly payment of $16.02 per $1,000.00 borrowed | |
| 76 – 84 Months | As low as 6.90% | Monthly payment of $15.04 per $1,000.00 borrowed | |
| 2020 – 2021 | Up to 48 Months | As low as 5.5% | Monthly payment of $23.26 per $1,000.00 borrowed |
| 49 – 63 Months | As low as 5.75% | Monthly payment of $18.43 per $1,000.00 borrowed | |
| 64-75 Months | As low as 6.50% | Monthly payment of $16.26 per $1,000.00 borrowed | |
| 76 – 84 Months | As low as 7.00% | Monthly payment of $15.09 per $1,000.00 borrowed | |
| 2018 – 2019 | Up to 48 Months | As low as 6.75% | Monthly payment of $23.83 per $1,000.00 borrowed |
| 49 – 63 Months | As low as 7.00% | Monthly payment of $19.01 per $1,000.00 borrowed | |
| 64-75 Months | As low as 7.25% | Monthly payment of $16.62 per $1,000.00 borrowed | |
| 2015 – 2017 | Up to 48 Months | As low as 7.75% | Monthly payment of $24.30 per $1,000.00 borrowed |
| 49 – 63 Months | As low as 8.00% | Monthly payment of $19.49 per $1,000.00 borrowed | |
Our Simple Car Loan Application Process
Apply Online
Click below to quickly and easily apply online for a new or used car loan.
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Go Car Shopping!
Head to the dealership and confidently negotiate the price of your new or used car!
★★★★★
“BEST PLACE FOR CAR LOANS. THEY ALSO HAVE SWAP AND DROP.”
– Dorothy C., Birmingham, Alabama
FAQs About Auto Loan Rates in Birmingham, AL
Legacy Credit Union offers highly competitive auto loan rates compared to other Birmingham, Alabama lenders. As a member-owned, not for profit credit union, we strive to provide low loan rates so we can pass on the savings to our members.
Your credit history, income, and loan term length are key factors that impact your car loan rate. Your rate can also vary based on whether the car is new or used as well as the size of your down payment.
Members can qualify for our lowest advertised auto loan rates. We also offer an annual Swap-and-Drop promotion that allows non-members to ‘swap’ their current auto loan financed at another institution and refinance with Legacy at a better rate. Legacy members and prospective members can refinance with Legacy at any time during the year!
You can view our current new and used auto loan rates by scrolling up to the Auto Loan Rates table above.
Get Behind the Wheel With Legacy Credit Union:
Savings Options
Share Certificates
Enjoy the benefits of consistent growth over time. Ideal for long-term savers.
Incentive Savings
Boost your savings effortlessly with every purchase. Enjoy an impressive 5% interest rate for the first $1,000 saved.
Club Accounts
Club Accounts make saving for any specific goal effortless. Deposit, relax, and see your money grow.