The MFP’s Community Auto Lender Survey gathers Tennessee’s car drivers feedback and recommendations for direct lenders like banks, credit unions and online lenders, plus marketplaces. Shopping for a car loan and a lender can be complicated and we gathered this data to help your choice.
Updated: May 11, 2026
<< Human Powered Recommendations from Tennessee’s Car Drivers >>
Tennessee Best Car Loan Lenders
Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, Johnson City, Jackson, Hendersonville, Online.
Tennessee Car Loans Lenders Satisfaction
Performance and satisfaction of car loan lenders across Tennessee by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.64 | 4.67 | 4.72 | 92.4% |
| Community Banks | 4.38 | 4.44 | 4.48 | 87.3% |
| Banks | 4.07 | 4.16 | 4.17 | 81.3% |
| Online Lenders | 4.49 | 4.45 | 4.51 | 81.3% |
Source: MFP’s Community Survey of Auto Loan Lenders by State and Cities.
Recommendations are gathered from 1,531 local Tennessee drivers who got a quote or applied for a car loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, speedy quote and decision, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your auto loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed of a quote requested, and speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Info for Tennessee Drivers:
Tennessee New Car Insurance Cost
Tennessee Used Car Insurance Cost
Nashville Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Nashville’s area are TEN Credit Union, US Community Credit Union and Enbright Credit Union.
TEN Credit Union(96% Recommend)
- TEN Credit Union ranks highest with 96% Recommend, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful local employees, fast auto-loan service, and clear borrower support.
US Community Credit Union(94% Recommend)
- US Community Credit Union ranks second with 94% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention friendly service, easy vehicle-loan handling, and helpful communication from local staff.
Enbright Credit Union(92% Recommend)
- Enbright Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to responsive employees, straightforward loan support, and a positive local member experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| TEN Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| US Community Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| Enbright Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Vanderbilt Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Nashville Post Office Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Nashville Firemen’s Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| St. Thomas Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 88% |
| Citizens Bank | Community Bank | 4.4 | 4.4 | 4.5 | 87% |
| Bank of Tennessee | Community Bank | 4.3 | 4.4 | 4.4 | 86% |
| Pinnacle Bank | Bank | 4.3 | 4.3 | 4.4 | 85% |
| FirstBank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| Fifth Third Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Regions Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Truist Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
| Bank of America | Bank | 3.8 | 3.9 | 4.0 | 76% |
Memphis Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Memphis’ area are Orion Federal Credit Union, First South Financial Credit Union and Memphis City Employees Credit Union.
Orion Federal Credit Union(96% Recommend)
- Orion Federal Credit Union ranks highest with 96% Recommend, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, smooth auto-loan service, and strong member support.
First South Financial Credit Union(94% Recommend)
- First South Financial Credit Union ranks second with 94% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention friendly local service, clear communication, and helpful support through the borrowing process.
Memphis City Employees Credit Union(92% Recommend)
- Memphis City Employees Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to personal service, straightforward loan help, and reliable local member support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Orion Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| First South Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| Memphis City Employees Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Hope Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Southern Security Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| FedEx Employees Credit Association | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Tri-State Bank of Memphis | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| Independent Bank | Community Bank | 4.4 | 4.4 | 4.5 | 87% |
| BankTennessee | Community Bank | 4.3 | 4.4 | 4.4 | 86% |
| First Horizon Bank | Bank | 4.3 | 4.3 | 4.4 | 85% |
| Bank of Bartlett | Community Bank | 4.2 | 4.3 | 4.3 | 84% |
| Regions Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Renasant Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Truist Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
| Bank of America | Bank | 3.8 | 3.9 | 4.0 | 76% |
Knoxville Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Knoxville’s area are Knoxville TVA Employees Credit Union, Y-12 Federal Credit Union and UT Federal Credit Union.
Knoxville TVA Employees Credit Union(96% Recommend)
- Knoxville TVA Employees Credit Union ranks highest with 96% Recommend, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about easy auto-loan service, helpful employees, and strong local member support.
Y-12 Federal Credit Union(94% Recommend)
- Y-12 Federal Credit Union ranks second with 94% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention friendly branch service, clear communication, and helpful guidance through the vehicle-loan process.
UT Federal Credit Union(92% Recommend)
- UT Federal Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to responsive employees, straightforward loan support, and a positive Knoxville-area member experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Knoxville TVA Employees Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Y-12 Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| UT Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| tnConnect Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| First Choice Community Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| TN Members 1st Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Bank of Tennessee | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| SmartBank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| First Horizon Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Regions Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
Chattanooga Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Chattanooga’s area are Tennessee Valley Federal Credit Union, Trust Federal Credit Union and Scenic Community Credit Union.
Tennessee Valley Federal Credit Union(96% Recommend)
- Tennessee Valley Federal Credit Union ranks highest with 96% Recommend, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about easy auto-loan service, helpful employees, and strong member support.
Trust Federal Credit Union(94% Recommend)
- Trust Federal Credit Union ranks second with 94% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention friendly branch service, clear communication, and helpful guidance through the borrowing process.
Scenic Community Credit Union(92% Recommend)
- Scenic Community Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to responsive staff, straightforward loan support, and a positive local member experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Tennessee Valley Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Trust Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| Scenic Community Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Chattanooga Federal Employees Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Southern Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Builtwell Bank | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| First Volunteer Bank | Community Bank | 4.3 | 4.4 | 4.4 | 86% |
| First Horizon Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Regions Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Truist Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Clarksville Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Clarksville’s area are Altra Federal Credit Union, Fortera Credit Union and Legends Bank.
Altra Federal Credit Union(95% Recommend)
- Altra Federal Credit Union ranks highest with 95% Recommend, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, smooth auto-loan service, and strong local member support.
Fortera Credit Union(93% Recommend)
- Fortera Credit Union ranks second with 93% Recommend and matches the top 3’s highest Loan Terms & Rate Satisfaction score at 4.7.
- Reviews commonly mention friendly branch service, clear communication, and helpful support through the vehicle-loan process.
Legends Bank(89% Recommend)
- Legends Bank ranks third with 89% Recommend, 4.5 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.6 Speedy Quote & Decision.
- Reviews point to professional local service, responsive employees, and reliable help with banking and loan needs.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Altra Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Fortera Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| Legends Bank | Community Bank | 4.5 | 4.5 | 4.6 | 89% |
| Planters Bank | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| FirstBank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| F&M Bank | Community Bank | 4.2 | 4.3 | 4.3 | 84% |
| Regions Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| U.S. Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Murfreesboro Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Murfreesboro’s area are Ascend Federal Credit Union, Middle Tennessee Federal Credit Union and Family Advantage Federal Credit Union.
Ascend Federal Credit Union(96% Recommend)
- Ascend Federal Credit Union ranks highest with 96% Recommend, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about easy auto-loan service, helpful employees, and strong member support.
Middle Tennessee Federal Credit Union(94% Recommend)
- Middle Tennessee Federal Credit Union ranks second with 94% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention friendly local service, clear loan communication, and helpful guidance during the borrowing process.
Family Advantage Federal Credit Union(92% Recommend)
- Family Advantage Federal Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to responsive employees, straightforward loan support, and a positive local member experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Ascend Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Middle Tennessee Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| Family Advantage Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Redstone Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| FirstBank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| Wilson Bank & Trust | Community Bank | 4.2 | 4.3 | 4.3 | 84% |
| Regions Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Truist Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Franklin Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Franklin’s area are Franklin Synergy Bank, Ascend Federal Credit Union and TEN Credit Union.
Franklin Synergy Bank(91% Recommend)
- Franklin Synergy Bank ranks highest with 91% Recommend, 4.6 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about local service, clear communication, and helpful loan support.
Ascend Federal Credit Union(90% Recommend)
- Ascend Federal Credit Union ranks second with 90% Recommend and matches the top 3’s highest Loan Terms & Rate Satisfaction score at 4.6.
- Reviews commonly mention easy auto-loan service, helpful employees, and strong member support.
TEN Credit Union(89% Recommend)
- TEN Credit Union ranks third with 89% Recommend, 4.5 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.6 Speedy Quote & Decision.
- Reviews point to responsive employees, straightforward loan help, and reliable borrower support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Franklin Synergy Bank | Community Bank | 4.6 | 4.6 | 4.7 | 91% |
| Ascend Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 90% |
| TEN Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 89% |
| FirstBank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| Pinnacle Bank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| Fifth Third Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Regions Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Truist Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Johnson City Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Johnson City’s area are Eastman Credit Union, Appalachian Community Federal Credit Union and Bank of Tennessee.
Eastman Credit Union(96% Recommend)
- Eastman Credit Union ranks highest with 96% Recommend, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, easy auto-loan service, and strong member support.
Appalachian Community Federal Credit Union(93% Recommend)
- Appalachian Community Federal Credit Union ranks second with 93% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention friendly branch service, clear communication, and helpful loan guidance from local employees.
Bank of Tennessee(89% Recommend)
- Bank of Tennessee ranks third with 89% Recommend, 4.5 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.6 Speedy Quote & Decision.
- Reviews point to professional local service, responsive employees, and reliable support for banking and loan needs.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Eastman Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Appalachian Community Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 93% |
| Bank of Tennessee | Community Bank | 4.5 | 4.5 | 4.6 | 89% |
| Citizens Bank | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| First Horizon Bank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| Regions Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Truist Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| U.S. Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Jackson Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Jackson’s area are Leaders Credit Union, West Tennessee Healthcare Credit Union and Bank of Jackson.
Leaders Credit Union(96% Recommend)
- Leaders Credit Union ranks highest with 96% Recommend, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, easy auto-loan service, and strong member support.
West Tennessee Healthcare Credit Union(93% Recommend)
- West Tennessee Healthcare Credit Union ranks second with 93% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention personal service, clear communication, and helpful support through the borrowing process.
Bank of Jackson(89% Recommend)
- Bank of Jackson ranks third with 89% Recommend, 4.5 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.6 Speedy Quote & Decision.
- Reviews point to professional local service, responsive employees, and reliable help with banking and loan needs.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Leaders Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| West Tennessee Healthcare Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 93% |
| Bank of Jackson | Community Bank | 4.5 | 4.5 | 4.6 | 89% |
| Centennial Bank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| FirstBank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| Regions Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Renasant Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Trustmark Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Hendersonville Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Hendersonville’s area are TEN Credit Union, US Community Credit Union and Volunteer State Bank.
TEN Credit Union(95% Recommend)
- TEN Credit Union ranks highest with 95% Recommend, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, easy auto-loan service, and clear borrower support.
US Community Credit Union(93% Recommend)
- US Community Credit Union ranks second with 93% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention friendly local service, smooth vehicle-loan handling, and helpful communication from staff.
Volunteer State Bank(89% Recommend)
- Volunteer State Bank ranks third with 89% Recommend, 4.5 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.6 Speedy Quote & Decision.
- Reviews point to professional branch service, responsive employees, and reliable help with local banking and loan needs.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| TEN Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| US Community Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 93% |
| Volunteer State Bank | Community Bank | 4.5 | 4.5 | 4.6 | 89% |
| FirstBank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| Pinnacle Bank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| Fifth Third Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Regions Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Truist Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Tennessee Best Online Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Tennessee’s area are Ascend Federal Credit Union, Tennessee Valley Federal Credit Union and Orion Financial.
Ascend Federal Credit Union (91% Recommend)
- Ascend Federal Credit Union ranks first with a 4.9 Easy Application rating, 4.9 Loan Terms & Rate Satisfaction rating, and 4.9 Speedy Quote & Decision rating, tying the highest score in every table metric.
- Customer feedback points to strong Tennessee borrower satisfaction, clear online application access, pre-approval support, and competitive purchase auto-loan terms.
Tennessee Valley Federal Credit Union (90% Recommend)
- Tennessee Valley Federal Credit Union ranks second with a 4.9 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, tying Ascend Federal Credit Union on Easy Application.
- Customer feedback supports strong Tennessee-specific lending relevance, fast approvals, flexible vehicle-loan terms, and helpful borrower support.
Orion Financial (89% Recommend)
- Orion Financial ranks third with a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, tying Tennessee Valley Federal Credit Union on Loan Terms and Speedy Quote & Decision.
- Customer feedback points to a simple online application, clear purchase-loan options, and useful vehicle-financing support for Tennessee borrowers.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend |
|---|---|---|---|---|---|
| Ascend Federal Credit Union | Direct | 4.9 | 4.9 | 4.9 | 91% |
| Tennessee Valley Federal Credit Union | Direct | 4.9 | 4.8 | 4.8 | 90% |
| Orion Financial | Direct | 4.8 | 4.8 | 4.8 | 89% |
| UT Federal Credit Union | Direct | 4.8 | 4.7 | 4.8 | 88% |
| TEN Credit Union | Direct | 4.8 | 4.7 | 4.7 | 87% |
| Leaders Credit Union | Direct | 4.7 | 4.7 | 4.7 | 86% |
| Scenic Community Credit Union | Direct | 4.7 | 4.6 | 4.7 | 85% |
| TN Members 1st Federal Credit Union | Direct | 4.6 | 4.7 | 4.6 | 84% |
| Eastman Credit Union | Direct | 4.6 | 4.6 | 4.6 | 83% |
| Enrichment Federal Credit Union | Direct | 4.5 | 4.6 | 4.5 | 82% |
| AUTOPAY | Marketplace | 4.5 | 4.4 | 4.5 | 81% |
| Capital One Auto Navigator | Direct | 4.5 | 4.3 | 4.6 | 80% |
| LightStream | Direct | 4.4 | 4.4 | 4.5 | 79% |
| PenFed Credit Union | Direct | 4.3 | 4.6 | 4.3 | 78% |
| Bank of America Auto Loans | Direct | 4.1 | 4.1 | 4.1 | 76% |
| myAutoloan | Marketplace | 4.2 | 4.1 | 4.2 | 75% |
| Auto Credit Express | Marketplace | 4.1 | 4.0 | 4.2 | 74% |
| CarsDirect | Marketplace | 4.0 | 4.0 | 4.1 | 73% |
| Carvana Financing | Direct | 4.5 | 4.0 | 4.6 | 73% |
| RoadLoans | Direct | 4.0 | 4.0 | 4.1 | 72% |