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Verve, a Credit Union auto loan rates compared

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Wisconsin · Headquarters Wisconsin

Oshkosh, WI-based credit union; membership required

Rate page on verveacu.com

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 5 rates

As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Checking accountChecking account: The published rate assumes a checking account with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.

4.68%New36 months

WIChecked Nov 11, 2026

What the lender published

Autos and other titled vehicles. Published for a 36-month term (interest rate 4.49%). APR includes a $59 processing fee and assumes loan-to-value of 80% or less, a credit score of 725 or higher, an active checking account or $10,000 on deposit, and direct deposit or autopay from a Verve account.

Checked Nov 11, 2026Source verveacu.com

Calculate payment at 4.68% from Verve, a Credit UnionVisit lender ↗
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Checking accountChecking account: The published rate assumes a checking account with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.

4.64%New48 months

WIChecked Nov 11, 2026

What the lender published

Autos and other titled vehicles. Published for a 48-month term (interest rate 4.49%). APR includes a $59 processing fee and assumes loan-to-value of 80% or less, a credit score of 725 or higher, an active checking account or $10,000 on deposit, and direct deposit or autopay from a Verve account.

Checked Nov 11, 2026Source verveacu.com

Calculate payment at 4.64% from Verve, a Credit UnionVisit lender ↗
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Checking accountChecking account: The published rate assumes a checking account with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.

4.61%New60 months

WIChecked Nov 11, 2026

What the lender published

Autos and other titled vehicles. Published for a 60-month term (interest rate 4.49%). APR includes a $59 processing fee and assumes loan-to-value of 80% or less, a credit score of 725 or higher, an active checking account or $10,000 on deposit, and direct deposit or autopay from a Verve account.

Checked Nov 11, 2026Source verveacu.com

Calculate payment at 4.61% from Verve, a Credit UnionVisit lender ↗
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Checking accountChecking account: The published rate assumes a checking account with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.

4.59%New72 months

WIChecked Nov 11, 2026

What the lender published

Autos and other titled vehicles. Published for a 72-month term (interest rate 4.49%). APR includes a $59 processing fee and assumes loan-to-value of 80% or less, a credit score of 725 or higher, an active checking account or $10,000 on deposit, and direct deposit or autopay from a Verve account. The 72-month term needs at least $15,000.

Checked Nov 11, 2026Source verveacu.com

Calculate payment at 4.59% from Verve, a Credit UnionVisit lender ↗
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Checking accountChecking account: The published rate assumes a checking account with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount.

5.55%New84 months

WIChecked Nov 11, 2026

What the lender published

Autos and other titled vehicles. Published for a 84-month term (interest rate 4.49%, 5.49% for 84 months). APR includes a $59 processing fee and assumes loan-to-value of 80% or less, a credit score of 725 or higher, an active checking account or $10,000 on deposit, and direct deposit or autopay from a Verve account. The 84-month term needs at least $30,000.

Checked Nov 11, 2026Source verveacu.com

Calculate payment at 5.55% from Verve, a Credit UnionVisit lender ↗