Auto Loans · Kingsport, Tennessee
4 credit unions in Kingsport report car loan rates to the NCUA. Rates range from 4.50% to 6.93%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.50%
Lowest New Car Rate
5.58%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HORIZON ★ 4.1 · 21 reviews | 4.50% | 4.50% |
| 2 | KINGSPORT PRESS CU ★ 4.5 · 20 reviews | 5.25% | 5.50% |
| 3 | EASTMAN ★ 3.6 · 66 reviews | 5.65% | 5.25% |
| 4 | APPALACHIAN COMMUNITY ★ 3.0 · 35 reviews | 6.93% | 9.50% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HORIZON ★ 4.1 · 21 reviews | 4.50% | 4.50% |
| 2 | EASTMAN ★ 3.6 · 66 reviews | 5.25% | 5.65% |
| 3 | KINGSPORT PRESS CU ★ 4.5 · 20 reviews | 5.50% | 5.25% |
| 4 | APPALACHIAN COMMUNITY ★ 3.0 · 35 reviews | 9.50% | 6.93% |
A pre-approval from a Kingsport 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 Kingsport in the same window and take the best offer.
See member reviews, branch locations, and full rate details.