The Clarity Credit Union is a auto loan from Clarity Credit Union. The ongoing APR is APR as low as 5.49% (2017 - 2026 / with less than 150,000 miles); 7.49% (2016 and older OR over 150,000 miles). Loan terms: Auto loan terms up to 84 months on new and used vehicles 10 years old and less than 150,000 miles. Auto loan terms up to 72 months on used vehicles older than 10 years or over 150,000 miles..