The Thrive Credit Union is a auto loan from Thrive Credit Union. The ongoing APR is As low as 4.99% to 8.49% APR depending on vehicle model year and term (rates effective 10/14/2026; include 0.25% direct-deposit deduction; may be higher depending on credit score). Loan terms: 36 months to 96 months (96-month rates carry a "$60,000 Loan Minimum" footnote).