How do I become eligible to join Ascend?

You can qualify through an immediate family relationship with a member, a partner employer or organization, residence in a financially underserved area, or Nature Conservancy membership, plus a $5 savings deposit.

All lenders

Best for: Middle Tennessee members and partner-organization employees refinancing a new-model vehicle

Ascend Credit Union

Q: What APR does Ascend publish for new vehicle loans?

Effective October 1, 2026, new vehicle loans up to 60 months range from 5.49% to 17.64% APR with no minimum loan value.

Ascend Credit Union — published 5.49%–17.64% APR for new vehicle loans up to 60 months.

Min credit

Not disclosed

APR

5.49%–17.64%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means Ascend Credit Union does not publish this on their public site. "No restriction" means Ascend Credit Union explicitly states no limit.

Overview

Ascend Credit Union says refinancing a loan you have with another lender into one with Ascend could help lower your rate, reduce your monthly payment, or shorten your loan term. As of October 2026, new vehicle loans up to 60 months range from 5.49% to 17.64% APR with no minimum loan value, while lon…

What’s great

States refinancing with Ascend could lower your rate, payment, or term
Published new-vehicle APR range of 5.49%–17.64% for terms up to 60 months
Multiple paths to membership, including over 1,200 partner organizations

What to know

Longer terms (61+ months) require a $15,000 or $25,000 minimum loan value
Minimum credit score not published

Eligibility

Minimum credit score	Not disclosed
APR range	5.49% – 17.64% (New vehicle, terms up to 60 months, no minimum loan value.)
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Not disclosed
States served	Not disclosed
Membership requirement	Open to immediate family of current members, employees of over 1,200 partner organizations, residents of financially underserved areas in Middle Tennessee, and Nature Conservancy members, with a $5 savings deposit.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Ascend Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Ascend Credit Union before applying.

[1]Auto Loans and Rates — Ascend Federal Credit Union
https://ascend.org/consumer-loans/auto-loans
Last checked: October 2026
[2]How to Know if You Should Refinance Your Auto Loan — Ascend Federal Credit Union
https://ascend.org/blog/how-to-know-if-you-should-refinance-your-auto-loan
Last checked: October 2026
[3]Joining Ascend — Ascend Federal Credit Union
https://ascend.org/eligibility
Last checked: October 2026