Lender profile
4U
Lender Live rate observations
4U at a glance
4U is a lender based in Texas. LoanMate.ai tracks 10 published loan products from 4U (10 rate listings), last verified 2026-10-17. Its lowest published rate today is 5.25% on New auto loan · 48 months. Its New auto loan · 48 months rate of 5.25% is 0.26 points above the national median of 4.99% (across 166 lenders publishing that product). 4U lends in Texas only.
Auto loan (10)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-48 | — | 5.25 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 5.35 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-66 | — | 5.45 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-66 | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-78 | — | 6.15 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 6.15 | — | — | 2026-10-17 | Lender source ↗ |
How 4U compares
Compare all auto loan rates · Best loan rates in Texas
Compare with: 1St Community, A+, Abilene Teachers, Acfcu
Common questions
What is the lowest published rate at 4U?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from 4U is 5.25% on its New auto loan · 48 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does 4U lend?
4U lends in Texas only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does 4U's New auto loan · 48 months rate compare nationally?
4U publishes New auto loan · 48 months at 5.25%. The national median for that product is 4.99% across 166 lenders in LoanMate.ai's October 17, 2026 dataset, so 4U is 0.26 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.