Auto Loans · Cleveland, Tennessee
5 credit unions in Cleveland report car loan rates to the NCUA. Rates range from 3.40% to 5.99%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.40%
Lowest New Car Rate
5.19%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SMART CHOICE ★ 5.0 · 25 reviews | 3.40% | 12.75% |
| 2 | APPLIANCE ★ 4.9 · 8 reviews | 4.90% | 5.90% |
| 3 | CLEVELAND-BRADLEY CTY TEACHER ★ 5.0 · 11 reviews | 5.76% | 7.17% |
| 4 | B. M. H. ★ 4.7 · 29 reviews | 5.88% | 8.57% |
| 5 | PATHWAY ★ 5.0 · 7 reviews | 5.99% | 6.00% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | APPLIANCE ★ 4.9 · 8 reviews | 5.90% | 4.90% |
| 2 | PATHWAY ★ 5.0 · 7 reviews | 6.00% | 5.99% |
| 3 | CLEVELAND-BRADLEY CTY TEACHER ★ 5.0 · 11 reviews | 7.17% | 5.76% |
| 4 | B. M. H. ★ 4.7 · 29 reviews | 8.57% | 5.88% |
| 5 | SMART CHOICE ★ 5.0 · 25 reviews | 12.75% | 3.40% |
A pre-approval from a Cleveland 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 Cleveland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.