Radiant's published auto rates depend on whether the car meets its new or used definition, including mileage limits. Its September 1, 2026 page lists 4.789% APR for new cars and 5.190% APR for used cars at 75 months, both as-low-as figures.
For this November 5, 2026 review, I checked Radiant's rate disclosures and institutional history. Look, the small print matters here because model year alone does not establish the new-car category. The page is a useful dated reference, but the individual offer still depends on the application and the actual vehicle.
Read the mileage definitions with the rate
The HTML rate page says new autos are the current model year and previous calendar year with no more than 30,000 miles. It describes used autos as eight years old or newer, with a maximum of 100,000 miles. Ask the loan officer how those definitions apply at your closing date, particularly near an age or mileage boundary. Do not round down a seller's odometer description to fit the limit. Record the displayed mileage and the VIN on the quote request.
Keep the 75-month quote attached to its terms
The table shows a 75-month term beside the new- and used-car APRs. Ask which other terms are available and whether their pricing differs instead of applying the same number to every repayment schedule. The disclosures say rates depend on individual credit history, model year, term and account relationship. They also distinguish an application interest rate from the APR incorporating applicable finance charges. Request the final amount financed, APR, finance charge and total payments rather than trying to reconstruct them from a headline alone.
Do not substitute the worked example for the table
Radiant's disclosure contains a worked new-auto example with an APR of 4.782%, while the headline new-car row displays 4.789. Treat the example as an illustration with its own assumptions, not a competing advertised rate to demand. Ask which charges and figures apply to your offer. For a hypothetical $30,000 vehicle, taxes, down payment and optional products can make the actual amount financed quite different from the sale price. Get the complete written calculation before comparing lenders.
Recognize SunState as part of the same history
Radiant's official timeline records the Florida USDA Federal Credit Union origin, the SunState Federal Credit Union name from 1993 and the Radiant state-charter change in 2021. It also records the 2025 First Coast Community Credit Union merger. Older names are context for institutional identity, not separate current auto offers. Verify membership eligibility through Radiant rather than relying on an old SunState brochure. A historic name on a search result does not date the loan terms it displays.
Ask for collateral and history requirements explicitly
The rate page reviewed does not state that purchasing a CARFAX is mandatory, nor does it establish acceptance of every branded title. Ask which title statuses are eligible and whether the lender orders or requires a history report. Our credit-union branded-title checklist helps you prepare those questions without inventing Radiant policy. A seller PDF is not independent proof of a clean title. Match the report VIN and title details to the vehicle before proceeding.
Prepare a funding plan for a private sale
An eligible age and mileage reading do not settle an existing lien or establish that the seller can transfer ownership. Ask Radiant how it verifies payoff and where purchase funds go if another institution holds the title. Our private-party payoff steps explain the sequence, while the loan-to-value guide covers the gap between price and acceptable collateral value. Keep membership, loan approval and car inspection on separate tracks. Each needs its own evidence before closing.
Keep the vehicle checks separate from approval
Loan approval does not certify the car's condition or a seller's ownership story. The NYC consumer-agency used-car guide recommends independent inspection, and the federal Buyers Guide rule describes dealer disclosure requirements rather than a credit-union CARFAX mandate. A private sale follows a different disclosure setting. Use our inspection checklist to define the mechanical work before you release funds.
Before you authorize funding
Have Radiant confirm the mileage classification, eligible title status and final APR together. So, if the car crosses a stated limit before delivery, resolve it with the lender before treating the earlier quote as a funding commitment. So, request a dated written approval tied to the actual VIN, amount financed and loan term. Keep the rate quote, collateral answer, purchase agreement and any payoff instructions together. The CFPB auto-loan resources explain shopping and comparing offers; they do not establish this lender's underwriting policy.
We are a licensed CARFAX and AutoCheck reseller, not affiliated with CARFAX, AutoCheck or Experian. Guest reports have been about $5.50, member reports about $4.50 and a two-report bundle about $6.75; confirm at checkout. A report can miss unreported work, so keep the inspection appointment even when the history looks quiet.
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