Auto Loans · San Juan, Puerto Rico
2 credit unions in San Juan report car loan rates to the NCUA. Rates range from 2.99% to 4.99%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
2.99%
Lowest New Car Rate
3.99%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CARIBE ★ 3.6 · 110 reviews | 2.99% | 4.99% |
| 2 | VAPR ★ 3.6 · 77 reviews | 4.99% | 6.99% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CARIBE ★ 3.6 · 110 reviews | 4.99% | 2.99% |
| 2 | VAPR ★ 3.6 · 77 reviews | 6.99% | 4.99% |
A pre-approval from a San Juan 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 San Juan in the same window and take the best offer.
See member reviews, branch locations, and full rate details.