The Vicinity Credit Union is a auto loan from Vicinity Credit Union. The ongoing APR is New Auto (2026 and newer): as low as 4.95% (up to 36 months), 5.50% (48), 5.70% (60), 5.80% (72), 6.25% (84); Used Auto (2025-2026): as low as 5.25% (36), 5.80% (48), 6.00% (60), 6.10% (72), 6.55% (84); Used (2024-2023) up to 60 months as low as 6.30%; Used (2022 or older) up to 60 months as low as 6.60%; rates in effect October 17, 2026. Loan terms: Up to 36, 48, 60, 72 or 84 months depending on vehicle year (new: up to 84 months).