Auto Loans · Flint, Michigan
2 credit unions in Flint report car loan rates to the NCUA. Rates range from 5.24% to 5.74%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.24%
Lowest New Car Rate
5.49%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SOVITA ★ 4.2 · 52 reviews | 5.24% | 5.80% |
| 2 | FINANCIAL PLUS ★ 3.9 · 187 reviews | 5.74% | 5.74% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FINANCIAL PLUS ★ 3.9 · 187 reviews | 5.74% | 5.74% |
| 2 | SOVITA ★ 4.2 · 52 reviews | 5.80% | 5.24% |
A pre-approval from a Flint credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Flint in the same window and take the best offer.
See member reviews, branch locations, and full rate details.