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Auto Loan Rates in Birmingham, AL

A happy new car owner from Birmingham, AL holds up the keys to the new car she purchased with low auto loan rates from her credit union.

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
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Our Simple Car Loan Application Process

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Click below to quickly and easily apply online for a new or used car loan.

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We’ll tell you exactly how much you’re approved for based on your application.

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★★★★★

“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:

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Call: 205-930-5000
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Savings Options

Share Certificates

Enjoy the benefits of consistent growth over time. Ideal for long-term savers.

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Incentive Savings

Boost your savings effortlessly with every purchase. Enjoy an impressive 5% interest rate for the first $1,000 saved.

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Club Accounts

Club Accounts make saving for any specific goal effortless. Deposit, relax, and see your money grow.

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