4 top-rated auto loans available in Richmond, VA. Get competitive rates on new and used car loans.
APR 6.49–20.49%. Up to $100K. Same-day funding.
APR 5.99–17.99%. Purchase or refinance. No fees.
APR 5.99–17.99%. $500–$150K. Credit union rates.
APR 6.74–22.74%. Up to $100K. Major bank backing.
LightStream Auto Loan is a top-rated option for Richmond, VA residents with APRs from 6.49%–20.49%. Most online lenders are available nationwide including Richmond, VA.
Most lenders offering auto loans in Richmond, VA require a credit score of 600+ for approval, with the best rates typically available to borrowers with 720+ scores. A debt-to-income ratio under 40% and stable income also improve approval odds.
Rates depend on creditworthiness · Approval not guaranteed · Q1 2026