Let's get you on the road.

More car, lower payment.

Quick online applications
Fast approval decisions
Great low rates
Flexible loan terms up to 84 months*
New car financing up to 120% of sale price and 110% of sale price on used cars
No loan application fees
No pre-payment penalty

Auto Loan Rates

Vehicle Type	APR*
New Car	4.557%
Used Car	4.956%
Vehicle Type New Car	APR*	4.557%
Vehicle Type Used Car	APR*	4.956%

Rates listed effective 5/12/26

Disclosures

*All loans subject to credit approval. All credit union programs, services, rates, terms, and conditions are subject to change without notice. Finance charges begin accruing as of the loan disbursement date. APR = Annual Percentage Rate is subject to change at any time without notice. Rates are based on individual credit history, vehicle model year, term of the loan, and your account relationship with Radiant Credit Union. By applying, you acknowledge the interest rate shown throughout this application will differ from the Annual Percentage Rate (APR) that will be disclosed if your application is approved. The APR incorporates the interest rate as well as applicable finance charges (such as certain fees) which results in the APR usually being higher than the interest rate. For example, a $35,223.55 new auto loan with no money down at 4.69% for 75 months would require 74 monthly payments of $542.71 and a final payment of $542.25, finance charge of $5,579.24, for total payments of $40,702.79. The amount financed is $35,123.55 with an APR of 4.782%.

GAP Insurance

Guaranteed Asset Protection (GAP) Insurance protects your loan in the event of an unfortunate accident.

Learn more from our blog post here or contact a Radiant Member Service Representative for more information.

Mechanical Breakdown Protection

MBP can help with new and used vehicles, as well as the one you already own.

Please contact a Radiant Member Service Representative for more information.

Debt Protection

Debt Protection helps relieve the financial stress and worry related to making payments when your life takes an unexpected turn.

Please contact a Radiant Member Service Representative for more information.

What's a Great Interest Rate on a Used Car? (2025 Update)

February 27, 2025

Buying a pre-owned car often makes solid financial sense, but interest rates on used cars are typically higher. What is a good interest rate on a used car and what determines it?

Can I Really Get a Car Loan With a 600 Credit Score?

November 13, 2024

Finding financing for a car can be challenging if you have a poor credit score or a short credit history. In this blog, we take a closer look at why lenders are wary of buyers with lower credit...

I Paid Off My Car Loan – Now What?

August 20, 2024

Congratulations on paying off your car loan – it’s a significant milestone. Yes, it’s owning your vehicle outright—it’s also proof of your financial responsibility and capability.

“I am very impressed with the quick response that I have received from Radiant Credit Union. You just can’t find that type of customer service anymore. I look forward to doing business with them.”

Josie R.

“I love Radiant Credit Union. I've never been in and had a bad experience. Great place to do business.”

Dewayne

“Everyone I dealt with was so professional and the customer service was outstanding. Been doing business with Radiant for years and will continue taking my business there for years to come. Thank you!”

Robert L.

Let's get you on the road.

More car, lower payment.

Auto Loans

Radiant Auto Loans Features:

Auto Loan Rates

Rates listed effective 5/12/26

Disclosures

GAP Insurance

Mechanical Breakdown Protection

Debt Protection

Not sure you're ready for your purchase?

What's a Great Interest Rate on a Used Car? (2025 Update)

Can I Really Get a Car Loan With a 600 Credit Score?

I Paid Off My Car Loan – Now What?

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