As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.
1,004 rates from 162 lenders · Sorted by highest APR
About loan terms
Lenders often give one rate for a range of terms. “37–60 months” means the rate covers any term in that range, and “Up to 48 months” covers terms up to 48. “Term not listed” means the lender didn’t tie the rate to a term.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Term not assigned to the as-low-as APR (LightStream loan terms range 24-240 months). Excellent credit required; rates without AutoPay are 0.50 points higher. LightStream is a division of Truist Bank.
Published for a 8-year (96-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Published for a 8-year (96-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Model years 2026-2027, regular rate. Advertised as 88-96 months. APR as low as; minimum loan $40,000. Rates depend on credit. Rates current as of October 26, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2015 and older; advertised as up to 75 months.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2011-2017. Max LTV 90%.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Term not assigned to the as-low-as APR (LightStream loan terms range 24-240 months). Dealer purchase. Excellent credit required; rates without AutoPay are 0.50 points higher. Range 9.99%-17.74% APR with AutoPay. LightStream is a division of Truist Bank.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Term not assigned to the as-low-as APR (LightStream loan terms range 24-240 months). Dealer purchase. Excellent credit required; rates without AutoPay are 0.50 points higher. Range 9.99%-17.74% APR with AutoPay. LightStream is a division of Truist Bank.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer. 8-year term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2016-2018; advertised as up to 75 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2015 and older; advertised as up to 66 months.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2018-2020. Max LTV 100%.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2016; maximum term 54 months.
As low as; for applicants with a credit score of 730 or higher. New autos 2025-2026 and used autos 2014-2025 with mileage less than 100,000. Advertised APR is the lowest available. Existing Coastal1 auto loans are not eligible for this promotion. Page does not list a full term table; repayment examples are 60 monthly payments at the advertised APR. Product: 2014-2016 used autos.
Terms up to 84 months. Used car under 100,000 miles; APR 8.00% to 14.00% depending on credit. Rate reductions of 0.25%-0.50% may apply. Effective October 1, 2026.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. Used 2017-2018; up to 66 months.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2017; maximum term 66 months.
Rate table for 2023-2027 model-year vehicles; based on credit history. New vehicles only; minimum loan $30,000, credit score 670+, max LTV 100%. Advertised as 96 months.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $12,000. Advertised as 85-96 months.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $12,000. Advertised as 85-96 months.
Applies to 73-84 month terms. Used Cars (model years 2011-2024). Published with a $20,000 minimum loan amount; the vehicle must be 3 years old or newer. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2016-2018; advertised as up to 66 months.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. Eligible borrowers only; 76 to 84 months.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. Eligible borrowers only; 76 to 84 months.
Published for a 96-month term. New autos only; minimum $35,000. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 85-96 months. Minimum loan amount is $30,000 for terms of 84-96 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2022-2023; advertised as up to 84 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
APR as low as; includes a 0.25% discount for automatic payment from a Kinecta account (0.25% higher without it). Terms up to 84 months, but the rate table does not assign a term. Rates effective November 2, 2026.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2017-2019.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. 2024 and older. Term limits: model years 2023-2024 max 84 months; 2020-2022 max 72 months; 2019 and older max 60 months.
Model years 2026-2027, regular rate. Advertised as 85-87 months. APR as low as; minimum loan $40,000. Rates depend on credit. Rates current as of October 26, 2026.
As low as; for applicants with a credit score of 730 or higher. New autos 2025-2026 and used autos 2014-2025 with mileage less than 100,000. Advertised APR is the lowest available. Existing Coastal1 auto loans are not eligible for this promotion. Page does not list a full term table; repayment examples are 60 monthly payments at the advertised APR. Product: 2017-2019 used autos.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2018; maximum term 66 months.
Rates effective as of November 1, 2026. As low as APR. Rates based on credit score. Rates differ for first-time buyers or if a co-signer is required. Other rates and terms available for vehicles not listed. Payment example: a 72-month loan of $30,000 with an interest rate of 5.74% and APR of 5.89% would have monthly payments of $493.50. 2022 and 2021 autos; term up to 72 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 84 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2024-2025; advertised as up to 84 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
APR as low as; includes a 0.25% discount for automatic payment from a Kinecta account (0.25% higher without it). Terms up to 84 months, but the rate table does not assign a term. Rates effective November 2, 2026.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. Used auto, models 2011-2019.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. Used auto, models 2011-2019.
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 73-84 months. Used loans go up to 84 months; 85-96 months is new only.
Terms up to 84 months. New car; APR 7.25% to 13.25% depending on credit. Rate reductions of 0.25%-0.50% may apply for qualifying relationships, EV/PHEV purchase or LTV under 90%. Effective October 1, 2026.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. Used 2019-2021; 67 to 75 months.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2019-2021. Advertised as 73-75 months. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.
2018-2024 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as 73-84 months.
Applies to 61-72 month terms. Used Cars (model years 2011-2024). Published with a $15,000 minimum loan amount. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model year 2016.
As low as APR. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2019-2021; advertised as up to 75 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. 2024 and older. Term limits: model years 2023-2024 max 84 months; 2020-2022 max 72 months; 2019 and older max 60 months.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Minimum loan $35,000. Advertised as 84 months.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Minimum loan $35,000. Advertised as 84 months.
Model years 2020-2022. Term not assigned to the as-low-as APR (APRs based on a $20,000 loan with a $124 doc prep fee, amortized over 51 months; terms up to 84 months available). KEMBA Advantage member rate (Everyday rate is 0.50 points higher). Rates effective August 1, 2026.
Used vehicle. Advertised as 76-84 months. APR range 7.04%-9.54%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Minimum loan $25,000. Rates effective October 1, 2026.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
The published figure may include an autopay, direct-deposit, or relationship discount.
Effective 11/02/2026. Advertised rate includes 0.25% reduction for autopay from a Greenwood checking account and is the lowest available. Interest rate determined by creditworthiness. Model years 2016-2019.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2023 and newer; only a 6-year term is shown in this table.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model years 2015-2010; only a 60-month term is shown.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Used car loans (2024 and older), advertised as 76-84 months.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as 76-84 months. 76-84-month terms available for a minimum amount financed of $25,000 on vehicles less than 30,000 miles.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2022-2026. Advertised as 76-84 months.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2019-2021. Advertised as 64-72 months. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2016-2018. Advertised as up to 60 months.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.AutopayAutopay: The published rate assumes automatic payments (autopay).
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years up to 7 calendar years old. Promotional relationship rate effective November 1-30, 2026; requires automatic payment on the new loan (add 0.25% without it). Up to 115% financing for qualified borrowers. Advertised as up to 75 months.
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as 73-84 months.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2017-2019.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2019; maximum term 66 months.
As low as rates for buyers with excellent credit characteristics, updated monthly (page heading: November). Displayed rates are based on the previous month's Capital One funded loan data for 60- and 72-month terms with participating dealers. Financing subject to eligibility.
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.
Advertised as up to 60 months. Auto financing pre-approval for participating dealers. Lowest APR requires a term of 60 months or less, credit score 800+, a vehicle less than 1 year old, a loan of $40,000+, LTV of 111%-115.99%, and purchase from a dealer in MN; fees in some states (e.g. OH, IN) raise the APR.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $6,000. Advertised as 76-84 months.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $6,000. Advertised as 76-84 months.
Applies to 73-84 month terms. New Cars (model years 2025 or newer). Published with a $20,000 minimum loan amount. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
CT · DC · DE · MA · MD · ME · NH · NJ · NY · PA · VA · VT · WV · Checked Nov 11, 2026
›What the lender published
The published figure may include an autopay, direct-deposit, or relationship discount.
Terms up to 48 months. Lowest APR requires model year 2025 or newer, an M&T MyChoice Premium or Power Checking account, and automatic payments from an M&T checking account. Range 6.79%-15.69% APR; effective 10/15/26.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto model years 2019 to 2023. Advertised as 76-84 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026. APR for 76-84 months is based on a $20,000 minimum loan; term based on credit.
As low as rates for buyers with excellent credit characteristics, updated monthly (page heading: November). Displayed rates are based on the previous month's Capital One funded loan data for 60- and 72-month terms with participating dealers. Financing subject to eligibility.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2019-2021; advertised as up to 66 months.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026. Disclosure on this table says minimum $25,000 with maximum mileage of 40,000 for 84-month terms (a later disclosure on the same page says 25,000 miles).
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model years 2022-2020.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model years 2019-2016; only a 60-month term is shown.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. Used 2019-2021; up to 66 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 84 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Purchase rates are for model years 2024 and newer (may include late-model used). Advertised as up to 84 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan refinance interest rates (non-SCCU auto loans only); advertised as up to 84 months.
APR as low as, current as of 11/04/2026; based on vehicle year, underwriting and amount borrowed. A loan processing fee of 2% (min $30, max $85) applies and affects the APR. Advertised as 24-84 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as 76-84 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as 76-84 months.
New or used auto. Advertised as 76-84 months; APR range 6.74%-12.73%. The low end is the as-low-as rate; your rate depends on credit. Effective November 1, 2026.
New or used auto. Advertised as 76-84 months; APR range 6.74%-12.73%. The low end is the as-low-as rate; your rate depends on credit. Effective November 1, 2026.
New or used vehicles, model years 2021-2026. Advertised as 76-84 months. APR as low as; rates depend on credit history. The 84-month term needs a loan over $30,000.
New or used vehicles, model years 2021-2026. Advertised as 76-84 months. APR as low as; rates depend on credit history. The 84-month term needs a loan over $30,000.
As low as APR. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
Rates effective as of November 1, 2026. As low as APR. Rates based on credit score. Rates differ for first-time buyers or if a co-signer is required. Other rates and terms available for vehicles not listed. Payment example: a 72-month loan of $30,000 with an interest rate of 5.74% and APR of 5.89% would have monthly payments of $493.50. 2023 autos; term up to 72 months.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
Used model years 2025-2027. Advertised as 76-84 months. Special rate as low as for a limited time; minimum loan $20,000, financing up to 90% of value. Rates depend on credit. Rates current as of October 26, 2026.
Standard auto loan, published for a 96-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Standard auto loan, published for a 96-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; advertised rates include automatic payment (0.4% higher without autopay). Financing available in all 50 states. Rates 1% higher when refinancing an existing Alliant loan. Page shows 60-month terms only for autos. Used vehicle rate.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; advertised rates include automatic payment (0.4% higher without autopay). Financing available in all 50 states. Rates 1% higher when refinancing an existing Alliant loan. Page shows 60-month terms only for autos. Vehicle refinance rate shown on auto product page as 6.59% APR as low as for 60 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2022-2023; advertised as up to 75 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Effective 11/02/2026. Advertised rate includes 0.25% reduction for autopay from a Greenwood checking account and is the lowest available. Interest rate determined by creditworthiness. Model years 2020-2023.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model years 2022-2020.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; 67 to 75 months.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; 67 to 75 months.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. Older used auto, 2019 and older.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2026-2022.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2026-2022 (same table).
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 75 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Purchase rates are for model years 2024 and newer (may include late-model used). Advertised as up to 75 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan refinance interest rates (non-SCCU auto loans only); advertised as up to 75 months.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as 73-75 months. 64-75-month terms available for a minimum amount financed of $10,000 on vehicles less than 90,000 miles.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2022-2026. Advertised as 73-75 months. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.
Used auto model years 2022-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Minimum $25,000 loan for terms over 78 months. Advertised as up to 84 months.
Published for an 84-month term. Used vehicle with Auto Pay from a DFCU account. Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto purchase loan, advertised as 79-84 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto purchase loan, advertised as 79-84 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
New or used auto. Advertised as 64-75 months; APR range 6.49%-14.10%. The low end is the as-low-as rate; your rate depends on credit. Effective November 1, 2026.
New or used auto. Advertised as 64-75 months; APR range 6.49%-14.10%. The low end is the as-low-as rate; your rate depends on credit. Effective November 1, 2026.
New vehicle. Advertised as 76-84 months. APR range 6.49%-9.34%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Minimum loan $25,000. Rates effective October 1, 2026.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 75 months.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 75 months.
As low as; for applicants with a credit score of 730 or higher. New autos 2025-2026 and used autos 2014-2025 with mileage less than 100,000. Advertised APR is the lowest available. Existing Coastal1 auto loans are not eligible for this promotion. Page does not list a full term table; repayment examples are 60 monthly payments at the advertised APR. Product: 2020-2022 used autos.
2018-2024 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as 64-72 months.
Autos - Used (model years 2018-2019). APR as low as; term not assigned to the rate. Advia's rate table is ZIP-based; these were shown for Michigan ZIP 49009. Rate depends on credit, term and vehicle type.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2025-2027. APR includes a 0.25% discount for autopay from an AEFCU checking account. Effective November 11, 2026. Advertised as 76-84 months.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto model years 2024 to 2026 (new or used). Advertised as 76-84 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026. APR for 76-84 months is based on a $20,000 minimum loan; term based on credit.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
New model years 2026-2027. Advertised as 76-84 months. Special rate as low as for a limited time; minimum loan $20,000, financing up to 80% of value. Rates depend on credit. Rates current as of October 26, 2026.
APR as low as. Advertised as 73-84 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. New auto is a current-year vehicle with no more than 6,000 miles. Minimum loan amount of $25,000 required for 73-84 month term.
APR as low as. Advertised as 73-84 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. Used vehicles over 6 years old add 1.00%. Minimum loan amount of $25,000 required for 73-84 month term.
Relationship auto loan, published for a 96-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan, published for a 96-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan. Published for a 96-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; advertised rates include automatic payment (0.4% higher without autopay). Financing available in all 50 states. Rates 1% higher when refinancing an existing Alliant loan. Page shows 60-month terms only for autos. Standard new vehicle rate (not Tesla).
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; advertised rates include automatic payment (0.4% higher without autopay). Financing available in all 50 states. Rates 1% higher when refinancing an existing Alliant loan. Page shows 60-month terms only for autos. Tesla used vehicle rate.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. 2024 and older. Term limits: model years 2023-2024 max 84 months; 2020-2022 max 72 months; 2019 and older max 60 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 75 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2024-2025; advertised as up to 75 months.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $15,000; 84 months for new vehicles (preowned up to 6 years). Advertised as 84 months.
Applies to 61-72 month terms. New Cars (model years 2025 or newer). Published with a $15,000 minimum loan amount. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Published for an 84-month term. New vehicle with Auto Pay from a DFCU account. Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 73-84 months. Lender says 84-month terms need a $30,000 minimum loan.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto model years 2019 to 2023. Advertised as 64-75 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Published for a 84-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 84-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 84-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
As low asMembers onlyMembers only: Eligibility limit: only open to Rutgers community. Other borrowers can’t get this rate.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.
Published for a 72-month term. APR as low as; rates are based on credit score. Rates effective September 17, 2026. 72-month terms are for qualified borrowers with at least $10,000.
As low asMembers onlyMembers only: Eligibility limit: only open to Rutgers community. Other borrowers can’t get this rate.Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.
Published for a 84-month term. APR as low as; rates are based on credit score. Rates effective September 17, 2026. 84-month terms are for qualified borrowers with at least $25,000.
As low asMembers onlyMembers only: Eligibility limit: only open to Rutgers community. Other borrowers can’t get this rate.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.
Published for a 72-month term. APR as low as; rates are based on credit score. Rates effective September 17, 2026. 72-month terms are for qualified borrowers with at least $10,000.
New or used auto. Advertised as 49-63 months; APR range 6.25%-13.85%. The low end is the as-low-as rate; your rate depends on credit. Effective November 1, 2026.
New or used auto. Advertised as 49-63 months; APR range 6.25%-13.85%. The low end is the as-low-as rate; your rate depends on credit. Effective November 1, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2022-2023; advertised as up to 66 months.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model years 2022-2020.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; up to 66 months. Also listed as used for the same model years.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; up to 66 months.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. Used auto, model years 2020-2025.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. Older used auto, 2019 and older.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2019-2021. Advertised as up to 63 months.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 79-84 months.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 79-84 months.
Purchase only. APR as low as, current as of 11/04/2026; based on vehicle year, underwriting and amount borrowed. A loan processing fee of 2% (min $30, max $85) applies and affects the APR. Advertised as 67-84 months.
2018-2021 model years. APR as low as; based on creditworthiness, payment method, term, ability to repay and amount. Rates effective 11/11/2026; term not listed.
Applies to 76-84 month terms. Auto loans for model year 2022 or older. APR as low as; rates based on creditworthiness, loan amount, term and vehicle age. Terms of 76+ months need at least $18,000 financed and a 2021 or newer vehicle.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2018-2021. Advertised as up to 60 months. APR as low as; includes a 0.50% discount for automatic payments. Rates and terms depend on loan-to-value, mileage, credit score, and model year. Effective November 5, 2025.
Model years 2023 and newer. Advertised as 85-96 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
Used vehicle. Advertised as 61-75 months. APR range 6.24%-18.00%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Minimum loan $15,000. Rates effective October 1, 2026.
As low as 6.19% APR for used auto loans, 2023-2016 on the rates page (PDF heading says 2023-2011); APR range 6.19%-18%. APR effective 11/1/2026. Payment example on the official PDF is a 5-year, $20,000 loan at 6.19% APR. Source pages: https://www.becu.org/rates and official consumer lending PDF https://www.becu.org/-/media/Files/PDF/P-463.pdf.
As low asAutopay + eStatementsAutopay + eStatements: The published rate assumes autopay and eStatements discounts.LTV under 75%LTV under 75%: Loan-to-value (loan amount vs. vehicle value) must be under 75%.
The published figure may include an autopay, direct-deposit, or relationship discount.
Consumer Accounts Loan Rates and Fee Schedule effective November 5, 2026. Vehicle loan purchase or refinance fixed APR 6.19%-29.98%. Lowest APR on vehicles less than 75% LTV. Term not listed. Approved APR is 0.25% higher without autopay from an OCCU checking account or ACH, and 0.25% higher without eStatements. New vs used not split; same starting APR listed for new, used, and refinance.
As low asAutopay + eStatementsAutopay + eStatements: The published rate assumes autopay and eStatements discounts.LTV under 75%LTV under 75%: Loan-to-value (loan amount vs. vehicle value) must be under 75%.
As low asAutopay + eStatementsAutopay + eStatements: The published rate assumes autopay and eStatements discounts.LTV under 75%LTV under 75%: Loan-to-value (loan amount vs. vehicle value) must be under 75%.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Minimum $25,000 loan for terms over 78 months. Advertised as up to 84 months.
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as 64-72 months.
As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. 2024 and older. Term limits: model years 2023-2024 max 84 months; 2020-2022 max 72 months; 2019 and older max 60 months.
As low as rates for buyers with excellent credit characteristics, updated monthly (page heading: November). Displayed rates are based on the previous month's Capital One funded loan data for 60- and 72-month terms with participating dealers. Financing subject to eligibility.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2020-2022.
Rates effective as of November 1, 2026. As low as APR. Rates based on credit score. Rates differ for first-time buyers or if a co-signer is required. Other rates and terms available for vehicles not listed. Payment example: a 72-month loan of $30,000 with an interest rate of 5.74% and APR of 5.89% would have monthly payments of $493.50. 2024 autos; term up to 72 months.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $4,000. Advertised as 64-75 months.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $4,000. Advertised as 64-75 months.
AL · AR · DC · FL · GA · IN · KY · MD · MS · NJ · NC · OH · PA · SC · TN · TX · VA · WV · Checked Nov 10, 2026
Minimum loan $3,500.
›What the lender published
Official new-car loan page: fixed rates from 6.12% to 12.11% APR. Terms up to 84 months. Excellent credit required for lowest rates. Loan amounts $3,500 to $400,000. Available in branches in AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. No term-specific rate table was published; the term shown is the stated maximum (84 months) and the 6.12% figure is the published low end of the range, not a confirmed 84-month rate. A comparison example uses 6.44% APR for 84 months on $25,000, which we don't list as a separate rate. 30-day rate lock after approval.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest rate for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month. Terms 48-84 months; rate determined by term and credit score.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest rate for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month. Terms 48-84 months; rate determined by term and credit score.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest rate for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month. Terms 48-84 months; rate determined by term and credit score.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.Direct depositDirect deposit: The published rate requires direct deposit with the lender.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 96-month term. Auto model years 2022-2024; $40,000 minimum. Under 30,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Used autos qualify for 96 months only with at least $750 a month in qualifying direct deposits from an outside source in each of the two months before approval. Rates effective November 1, 2026.
Published for a 84-month term. New/used auto and motorcycle, up to 2 model years old; minimum $25,000. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
Published for a 84-month term. New/used auto and motorcycle, up to 2 model years old; minimum $25,000. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
Standard auto loan, published for a 48-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Standard auto loan, published for a 60-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Standard auto loan, published for a 66-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Standard auto loan, published for a 78-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Standard auto loan, published for a 84-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Standard auto loan, published for a 48-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Standard auto loan, published for a 60-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Standard auto loan, published for a 66-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Standard auto loan, published for a 78-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Standard auto loan, published for a 84-month term. APR as low as. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through Alliant’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Alliant or TrueCar.AutopayAutopay: The published rate assumes automatic payments (autopay).
Rate requires buying through Alliant’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Alliant or TrueCar.
The published figure may include an autopay, direct-deposit, or relationship discount.
Alliant Car Buying Service discounted used rate (0.50% off standard advertised rate); includes autopay and TrueCar certified dealer purchase. Source also: https://www.alliantcreditunion.org/borrow/alliant-car-buying-service
As low as; for applicants with a credit score of 730 or higher. New autos 2025-2026 and used autos 2014-2025 with mileage less than 100,000. Advertised APR is the lowest available. Existing Coastal1 auto loans are not eligible for this promotion. Page does not list a full term table; repayment examples are 60 monthly payments at the advertised APR. Product: 2025-2026 new autos.
As low as; for applicants with a credit score of 730 or higher. New autos 2025-2026 and used autos 2014-2025 with mileage less than 100,000. Advertised APR is the lowest available. Existing Coastal1 auto loans are not eligible for this promotion. Page does not list a full term table; repayment examples are 60 monthly payments at the advertised APR. Product: 2023-2025 used autos.
The published figure may include an autopay, direct-deposit, or relationship discount.
Effective as of 11/10/2026. Range of rates. Lowest rate includes a 0.75% discount for automatic transfer from a SchoolsFirst FCU account. 84-month term requires loan amount of $25,000 or greater and vehicle not more than 5 model years old (for calendar year 2026: 2026, 2025, 2024, 2023, or 2022).
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. 1% rate increase for vehicles 5 years or older. Advertised as 72 months.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $12,500. Advertised as 75 months.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $12,500. Advertised as 75 months.
2018-2024 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as up to 63 months.
New or used auto. Published for a 84-month term. APR as low as; rates depend on credit. Minimum loan $20,000. Does not include separate car-buying or insurance discounts. Effective October 1, 2026.
New or used auto. Published for a 84-month term. APR as low as; rates depend on credit. Minimum loan $20,000. Does not include separate car-buying or insurance discounts. Effective October 1, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Car or light truck loan. Advertised as up to 84 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
APR as low as; assumes excellent credit, a 60-month term and loan-to-value of 90% or less. Loan amounts $3,750-$100,000. Rates accurate as of 11/11/2026. Advertised as 60 months.
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
APR as low as; assumes excellent credit, a 60-month term and loan-to-value of 90% or less. Loan amounts $3,750-$100,000. Rates accurate as of 11/11/2026. Advertised as 60 months.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.
Published for a 96-month term. Auto model years 2025 or newer; $40,000 minimum. Under 30,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
As low as rates for buyers with excellent credit characteristics, updated monthly (page heading: November). Displayed rates are based on the previous month's Capital One funded loan data for 60- and 72-month terms with participating dealers. Financing subject to eligibility.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed $30,000 and above for this term. Advertised as 79-84 months.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed $30,000 and above for this term. Advertised as 79-84 months.
Terms up to 84 months. Used autos 1-3 years old (2023-2026); loans greater than $30,000, under 40,000 miles. APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; advertised rates include automatic payment (0.4% higher without autopay). Financing available in all 50 states. Rates 1% higher when refinancing an existing Alliant loan. Page shows 60-month terms only for autos. Tesla new vehicle rate. Disclosure also cites a 6.24% APR 84-month Tesla example, which was not used as a separate published term rate.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 66 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2024-2025; advertised as up to 66 months.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model years 2021-2024; maximum term 78 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Effective 11/02/2026. Advertised rate includes 0.25% reduction for autopay from a Greenwood checking account and is the lowest available. Interest rate determined by creditworthiness. Model years 2020-2023.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2021-2025.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model years 2022-2020.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Used car loans (2024 and older), advertised as 12-36 months.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Used car loans (2024 and older), advertised as 37-60 months.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Used car loans (2024 and older), advertised as 61-66 months.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Used car loans (2024 and older), advertised as 67-75 months.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 12-36 months. No 76-84 month refinance rate was listed.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 37-60 months. No 76-84 month refinance rate was listed.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 61-66 months. No 76-84 month refinance rate was listed.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 67-75 months. No 76-84 month refinance rate was listed.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. Used auto, models 2023-2026.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. Used auto, models 2020-2022.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. Used auto, models 2020-2022.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. Used auto, models 2020-2022.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. Older used auto, 2019 and older.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2026-2022.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2026-2022 (same table).
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2026-2022.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2026-2022 (same table).
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2026-2022.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2026-2022 (same table).
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2026-2022.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2026-2022 (same table).
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2021-2016; maximum term up to 65 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. 2001 or older; up to 72 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 66 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Purchase rates are for model years 2024 and newer (may include late-model used). Advertised as up to 66 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan refinance interest rates (non-SCCU auto loans only); advertised as up to 66 months.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as 64-72 months. 64-75-month terms available for a minimum amount financed of $10,000 on vehicles less than 90,000 miles.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2022-2026. Advertised as 64-72 months. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.
Fixed APR range 5.99%-18.0% for used cars, trucks and vans; based on credit history, collateral, term and loan to value. Effective 11/11/2026; term varies.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.AutopayAutopay: The published rate assumes automatic payments (autopay).
The published figure may include an autopay, direct-deposit, or relationship discount.
Current and previous 3 calendar-year vehicles. Promotional relationship rate effective November 1-30, 2026; requires automatic payment on the new loan (add 0.25% without it). Up to 115% financing for qualified borrowers. Advertised as up to 84 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as 64-75 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as 64-75 months.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 63 months.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 63 months.
Applies to 64-75 month terms. Auto loans for model year 2022 or older. APR as low as; rates based on creditworthiness, loan amount, term and vehicle age. Terms of 64-75 months need at least $8,000 financed; 2020 or older vehicles max 75 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2022 and newer (new or used). Published for a 84-month term. APR as low as; includes a 0.50% discount for automatic payments. Rates and terms depend on loan-to-value, mileage, credit score, and model year. Effective September 29, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2018-2021. Advertised as up to 48 months. APR as low as; includes a 0.50% discount for automatic payments. Rates and terms depend on loan-to-value, mileage, credit score, and model year. Effective November 5, 2025.
Model years 2019-2022. Advertised as 73-84 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
The published figure may include an autopay, direct-deposit, or relationship discount.
New or used auto. Advertised as 61-84 months. APR as low as; includes a 0.25% discount for automatic payments. Rates depend on credit. Current as of November 1, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
New or used auto. Advertised as 61-84 months. APR as low as; includes a 0.25% discount for automatic payments. Rates depend on credit. Current as of November 1, 2026.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
New model years 2026-2027. Advertised as 64-75 months. Special rate as low as for a limited time; minimum loan $10,000, financing up to 80% of value. Rates depend on credit. Rates current as of October 26, 2026.
New vehicle. Advertised as 61-75 months. APR range 5.99%-18.00%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Minimum loan $15,000. Rates effective October 1, 2026.
Published for a 72-month term. New and used fixed-rate auto loan, model years 2026-2027. For well-qualified borrowers; includes a 0.25% discount with a qualifying checking account. Not for refinancing an existing Dollar Bank loan. Dollar Bank serves northeast Ohio, western Pennsylvania, Hampton Roads VA and Cumberland Narrows MD.
Published for a 7-year (84-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Published for a 7-year (84-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2020; maximum term 66 months.
As low as 5.89% APR for new auto loans, 2024 and newer; APR range 5.89%-18%. APR effective 11/1/2026. Payment example on the official PDF is a 5-year, $20,000 loan at 5.89% APR. Disclosures state the lowest APR assumes a 60-month or less term, LTV of 90% or less, and strong credit. Source pages: https://www.becu.org/rates and official consumer lending PDF https://www.becu.org/-/media/Files/PDF/P-463.pdf.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 73 to 84 months. The table's 'Range of APR' column lists 5.89%-17.99%; a 'Low Rate' field on the same row showed 5.79. We list the Range of APR figure.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; 73 to 84 months.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model years 2021-2022; table shows term 24-72 months and rate 5.89-14.29%. Starting APR; shown at the longest term in this range. A more specific term for the 5.89% starting rate was not given.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model year 2020; table shows term 24-69 months and rate 5.89-14.09%. Starting APR; shown at the longest term in this range.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model year 2019; table shows term 24-63 months and rate 5.89-14.09%. Starting APR; shown at the longest term in this range.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model years 2016-2018; table shows term 24-60 months and rate 5.89-14.09%. Starting APR; shown at the longest term in this range.
Rates effective as of November 1, 2026. As low as APR. Rates based on credit score. Rates differ for first-time buyers or if a co-signer is required. Other rates and terms available for vehicles not listed. Payment example: a 72-month loan of $30,000 with an interest rate of 5.74% and APR of 5.89% would have monthly payments of $493.50. 2025 and newer autos; term up to 72 months.
New auto APR as low as for model year 2026 and newer; flexible terms available (no term tied to the rate). Subject to credit approval. Rates accurate as of 11/11/2026.
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as up to 63 months.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Promo ratePromo rate: A promotional rate the lender may end at any time.
The published figure may include an autopay, direct-deposit, or relationship discount.
Applies to 24-36 month terms. New Auto: vehicle no more than 3 model years old. Assumes excellent credit; reflects a 0.25% discount for automatic payments from any bank account. Limited-time rate.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Promo ratePromo rate: A promotional rate the lender may end at any time.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 48-month term. New Auto: vehicle no more than 3 model years old. Assumes excellent credit; reflects a 0.25% autopay discount. Limited-time rate.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Promo ratePromo rate: A promotional rate the lender may end at any time.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 60-month term. New Auto: vehicle no more than 3 model years old. Assumes excellent credit; reflects a 0.25% autopay discount. Limited-time rate.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2023-2024. APR includes a 0.25% discount for autopay from an AEFCU checking account. Effective November 11, 2026. Advertised as 64-75 months.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
Used model years 2025-2027. Advertised as 64-75 months. Special rate as low as for a limited time; minimum loan $10,000, financing up to 90% of value. Rates depend on credit. Rates current as of October 26, 2026.
Used vehicle. Advertised as up to 60 months. APR range 5.89%-18.00%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Rates effective October 1, 2026.
Relationship auto loan, published for a 48-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan, published for a 60-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan, published for a 66-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan, published for a 78-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan, published for a 84-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan, published for a 48-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan, published for a 60-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan, published for a 66-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan, published for a 78-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan, published for a 84-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.
Relationship auto loan. Published for a 48-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.
Relationship auto loan. Published for a 60-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.
Relationship auto loan. Published for a 66-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.
Relationship auto loan. Published for a 78-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.
Relationship auto loan. Published for a 84-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through Alliant’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Alliant or TrueCar.AutopayAutopay: The published rate assumes automatic payments (autopay).
Rate requires buying through Alliant’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Alliant or TrueCar.
The published figure may include an autopay, direct-deposit, or relationship discount.
Alliant Car Buying Service discounted new rate (0.50% off standard advertised rate); includes autopay and TrueCar certified dealer purchase. Rate applies to new, untitled vehicles with a term of up to 60 months. Source also: https://www.alliantcreditunion.org/borrow/alliant-car-buying-service
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. 2024 and older. Term limits: model years 2023-2024 max 84 months; 2020-2022 max 72 months; 2019 and older max 60 months.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $10,000. Advertised as 72 months.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $10,000. Advertised as 72 months.
Model years 2024-2026, up to 125% financed; rates quoted are for well-qualified buyers. Mileage over 125,000 adds 1%. Effective October 9, 2026. Advertised as 0-66 months.
Terms up to 84 months. New/current-year autos (2026, under 15,000 miles). APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. 1% rate increase for vehicles 5 years or older. Advertised as 60 months.
Model years 2023 and newer. Term not assigned to the as-low-as APR (APRs based on a $20,000 loan with a $124 doc prep fee, amortized over 51 months; terms up to 84 months available). KEMBA Advantage member rate (Everyday rate is 0.50 points higher). Rates effective August 1, 2026.
Model years 2023 and newer (new or used). Term not assigned to the as-low-as APR (APRs based on a $20,000 loan with a $124 doc prep fee, amortized over 51 months; terms up to 84 months available). KEMBA Advantage member rate (Everyday rate is 0.50 points higher). Rates effective August 1, 2026.
Refinance, model years 2023 and newer. Term not assigned to the as-low-as APR (APRs based on a $20,000 loan with a $124 doc prep fee, amortized over 51 months; terms up to 84 months available). KEMBA Advantage member rate (Everyday rate is 0.50 points higher). Rates effective August 1, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto model years 2024 to 2026 (new or used). Advertised as 64-75 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto model years 2019 to 2023. Advertised as up to 63 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto refinance loan, advertised as 79-84 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
Model years 2018-2021. APR as low as; based on credit, payment method, loan term, and loan amount. The page does not tie the rate to a term. Effective November 11, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.
The published figure may include an autopay, direct-deposit, or relationship discount.
Effective 11/02/2026. Advertised rate includes 0.25% reduction for autopay from a Greenwood checking account and is the lowest available. Interest rate determined by creditworthiness. 2024-NEW.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026 (same published rate for new and recent used in this range).
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026 (same published rate for new and recent used in this range).
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2020-2022.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2020-2022.
The published figure may include an autopay, direct-deposit, or relationship discount.
Effective as of 11/10/2026. Range of rates. Lowest rate includes a 0.75% discount for automatic transfer from a SchoolsFirst FCU account. 84-month term requires loan amount of $25,000 or greater and vehicle not more than 5 model years old (for calendar year 2026: 2026, 2025, 2024, 2023, or 2022).
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 73 to 84 months.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model years 2022-2020.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. Used auto, model years 2020-2025.
Rates accurate as of November 10, 2026. Auto 5.74% APR for well-qualified borrowers. Stated APR only applies to auto loans originated in Colorado. Final APR may vary by credit, term, LTV, and age of auto. Term and new vs used were not listed, so the same starting APR is listed for new and used.
Rates accurate as of November 10, 2026. Auto 5.74% APR for well-qualified borrowers, Colorado-originated loans only. Term not listed; same published starting auto APR listed for used.
Official new-and-used auto loans page advertises 5.74% APR but does not specify a term or separate new vs used figures. We list the same headline rate for new and used; no term is given.
Official new-and-used auto loans page advertises 5.74% APR without a term or a new/used split. Listed as used at the same headline rate; no term is given.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Model years 2016-2015; up to 48 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. 2001 or older; up to 60 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 48 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Purchase rates are for model years 2024 and newer (may include late-model used). Advertised as up to 48 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan refinance interest rates (non-SCCU auto loans only); advertised as up to 48 months.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount $20,000 for 73-84 month term.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount $20,000 for 73-84 month term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount $20,000 for 73-84 month term. PenFed does not permit internal refinances of an existing PenFed auto loan.
Purchase only. APR as low as, current as of 11/04/2026; based on vehicle year, underwriting and amount borrowed. A loan processing fee of 2% (min $30, max $85) applies and affects the APR. Advertised as 24-66 months.
Vehicles up to 10 years old, $20,000 minimum. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 84 months.
Vehicles up to 10 years old, $20,000 minimum. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 84 months.
Model years 2019-2022; repayment terms up to 72 months but the rate is not tied to a term. Lowest available APR; actual rate based on overall creditworthiness. Rates accurate as of 11/11/2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as up to 63 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as up to 63 months.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 48 months.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 48 months.
2022-2026 model years. APR as low as; based on creditworthiness, payment method, term, ability to repay and amount. Rates effective 11/11/2026; term not listed.
2022-2026 model years. APR as low as; based on creditworthiness, payment method, term, ability to repay and amount. Rates effective 11/11/2026; term not listed.
Applies to 76-84 month terms. Auto loans for model year 2023 or newer (new or used). APR as low as; rates based on creditworthiness, loan amount, term and vehicle age. Terms of 76+ months need at least $18,000 financed.
Applies to 61-83 month terms. Used vehicle with Auto Pay from a DFCU account. Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Terms up to 87 months. Model years 2023 and newer; 87-month term requires at least $25,000 financed. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
The published figure may include an autopay, direct-deposit, or relationship discount.
Terms up to 72 months. Model years 2018-2022. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Applies to 73-84 month terms. Model years 2018-2022; requires at least $25,000 financed. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto purchase loan, advertised as 67-78 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto purchase loan, advertised as 67-78 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2022 and newer (new or used). Published for a 72-month term. APR as low as; includes a 0.50% discount for automatic payments. Rates and terms depend on loan-to-value, mileage, credit score, and model year. Effective September 29, 2026.
Model years 2023 and newer. Advertised as 73-84 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
The published figure may include an autopay, direct-deposit, or relationship discount.
New or used auto. Advertised as 7-60 months. APR as low as; includes a 0.25% discount for automatic payments. Rates depend on credit. Current as of November 1, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
New or used auto. Advertised as 7-60 months. APR as low as; includes a 0.25% discount for automatic payments. Rates depend on credit. Current as of November 1, 2026.
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 61-72 months.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model years 2021-2024; maximum term 66 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model year 2023 and newer; table shows term 24-84 months and rate 5.69-14.29%. A disclosure states 5.69% APR is for a 24-48 month term with minimum 780 FICO and includes a 0.40% autopay discount from a Credit Human checking account. 79-84 month terms require minimum 680 FICO and $25,000 financed. The 5.69% rate applies to 24-48 month terms.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Same 2023-and-newer table applies to new and used purchase, refinancing, and equity loan types. 5.69% APR disclosure applies to 24-48 month terms.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Page states the following rates apply to purchase, refinancing, and equity loan types. 5.69% APR disclosure applies to 24-48 month terms for 2023 and newer.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $1,000. Advertised as 1-63 months.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $1,000. Advertised as 1-63 months.
New or used auto. Published for a 72-month term. APR as low as; rates depend on credit. Does not include separate car-buying or insurance discounts. Effective October 1, 2026.
New or used auto. Published for a 72-month term. APR as low as; rates depend on credit. Does not include separate car-buying or insurance discounts. Effective October 1, 2026.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $8,000Min. loan $8,000: The lender publishes this rate with a $8,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
New model years 2026-2027. Advertised as 37-63 months. Special rate as low as for a limited time; minimum loan $8,000, financing up to 80% of value. Rates depend on credit. Rates current as of October 26, 2026.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $8,000Min. loan $8,000: The lender publishes this rate with a $8,000 minimum loan amount.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
Used model years 2025-2027. Advertised as 37-63 months. Special rate as low as for a limited time; minimum loan $8,000, financing up to 90% of value. Rates depend on credit. Rates current as of October 26, 2026.
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
APR as low as; assumes excellent credit, a 60-month term and loan-to-value of 90% or less. Loan amounts $3,750-$100,000. Rates accurate as of 11/11/2026. Advertised as 60 months.
Model years 2022 and older. Fixed APR as low as; term not assigned to the rate (rates may change based on loan term and credit score). A processing fee applies and increases the APR.
Published for a 72-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 72-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 72-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. Advertised as 72 months.
Published as a single "Auto Loan" APR as low as (new and used not listed separately); term not assigned to the rate. Based on credit history, term, security and amount. Rates effective November 9, 2026.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $22,000Min. loan $22,000: The lender publishes this rate with a $22,000 minimum loan amount.
Published for a 84-month term. Auto model years 2022-2024; $22,000 minimum. Under 40,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 37-60 months.
Used vehicles defined as 2018-2024 model years. Payment example: 60 payments of $19.20 per $1,000 borrowed based upon a 5.59% APR. Other rates and terms up to 84 months are available but were not listed.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 67 to 72 months.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; advertised term range ending at 72 months.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $7,500. Advertised as 63 months.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $7,500. Advertised as 63 months.
Applies to 61-83 month terms. New vehicle with Auto Pay from a DFCU account. Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
APR as low as, current as of 11/04/2026; based on vehicle year, underwriting and amount borrowed. A loan processing fee of 2% (min $30, max $85) applies and affects the APR. Advertised as 67-84 months.
As low as APR. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2025-2027. APR includes a 0.25% discount for autopay from an AEFCU checking account. Effective November 11, 2026. Advertised as 64-75 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
APR as low as for a 60-month term; individual rates depend on credit history. An additional 0.25% discount is available with automatic payments from an orsa checking account. Updated November 11, 2026.
New or used auto. Published for a 60-month term. APR as low as; rates depend on credit. Minimum loan $2,500. Does not include separate car-buying or insurance discounts. Effective October 1, 2026.
New or used auto. Published for a 60-month term. APR as low as; rates depend on credit. Minimum loan $2,500. Does not include separate car-buying or insurance discounts. Effective October 1, 2026.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $22,000Min. loan $22,000: The lender publishes this rate with a $22,000 minimum loan amount.
Published for a 84-month term. Auto model years 2025 or newer; $22,000 minimum. Under 40,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed up to $15,000 for this term. Advertised as 67-72 months.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed up to $15,000 for this term. Advertised as 67-72 months.
Terms up to 72 months. Used autos 1-3 years old (2023-2026); loans greater than $15,000. APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV under 80%LTV under 80%: Loan-to-value (loan amount vs. vehicle value) must be under 80%.
The published figure may include an autopay, direct-deposit, or relationship discount.
New vehicle: max age 1 year, max 5,000 miles. Lowest APR requires a 48-month term, current membership, autopay from a Nutmeg account and loan-to-value under 80% (0.25% discount each for autopay and LTV). Terms up to 84 months.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV under 80%LTV under 80%: Loan-to-value (loan amount vs. vehicle value) must be under 80%.
The published figure may include an autopay, direct-deposit, or relationship discount.
Used vehicle: max age 7 years, max 100,000 miles. Lowest APR requires a 48-month term, current membership, autopay from a Nutmeg account and loan-to-value under 80% (0.25% discount each for autopay and LTV). Terms up to 84 months.
One auto loan table for new and used vehicles; rate varies by term and creditworthiness. Vehicles must be registered in Connecticut. Advertised as up to 48 months.
One auto loan table for new and used vehicles; rate varies by term and creditworthiness. Vehicles must be registered in Connecticut. Advertised as up to 48 months.
Refinances are for non-Achieve loans only, minimum refinance amount $10,000. Vehicles must be registered in Connecticut. Advertised as up to 48 months.
Published for a 72-month term. New/used auto and motorcycle, up to 3 model years old; minimum $15,000. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
Published for a 72-month term. New/used auto and motorcycle, up to 3 model years old; minimum $15,000. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. New auto, model years 2025-2026; maximum term 84 months.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model years 2025-2026; maximum term 84 months.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2021-2025.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2021-2025.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2018-2020. Max LTV 100%.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026 (same published rate for new and recent used in this range).
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026 (same published rate for new and recent used in this range).
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026 (same published rate for new and recent used in this range).
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026 (same published rate for new and recent used in this range).
UT · AZ, NV, and NM have separate rate sheets · Checked Nov 10, 2026
›What the lender published
Utah/other states PDF effective November 1, 2026. '60-MONTH DECLINING RATE AUTO' fixed APR 5.49%-18.00%. New vs used not specified; listed under new because a separate vehicle starting rate already covers the general product. Not the same as the standard VEHICLE 5.24% starting rate.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 49 to 66 months.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; advertised term range ending at 66 months.
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. Used auto, models 2023-2026.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. Used auto, model years 2020-2025.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. New-2021; 79 to 84 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. New through 2021 model years; 79 to 84 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Model years 2020-2017; up to 72 months.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as up to 63 months.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2022-2026. Advertised as up to 63 months.
Fixed APR range 5.49%-18.0% for new cars, trucks and vans; based on credit history, collateral, term and loan to value. Effective 11/11/2026; term varies.
Vehicles up to 10 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 74 months.
Vehicles up to 10 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 74 months.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 36 months.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 36 months.
APR range 5.49%-15.49%. Listed as Used Automobiles; rate based on primary applicant's credit (2019 or older add 2%). Not valid on refinancing existing Abri auto loans. Advertised as 61-72 months.
Applies to 64-75 month terms. Auto loans for model year 2023 or newer (new or used). APR as low as; rates based on creditworthiness, loan amount, term and vehicle age. Terms of 64-75 months need at least $8,000 financed.
Applies to 67-84 month terms. Model years 2022-2024. APR as low as for well-qualified applicants; varies with credit, amount financed, vehicle value, model year and mileage.
Terms up to 60 months. Used vehicle with Auto Pay from a DFCU account (0.25 points higher without). Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
The published figure may include an autopay, direct-deposit, or relationship discount.
Terms up to 75 months. Model years 2023 and newer. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.
Model years 2025 and newer. APR may differ based on credit, collateral year, term and loan-to-value. Dealer purchases only. Advertised as up to 66 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto purchase loan, advertised as 6-36 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto purchase loan, advertised as 37-66 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto purchase loan, advertised as 6-36 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto purchase loan, advertised as 37-66 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2022 and newer (new or used). Published for a 60-month term. APR as low as; includes a 0.50% discount for automatic payments. Rates and terms depend on loan-to-value, mileage, credit score, and model year. Effective September 29, 2026.
Model years 2023 and newer. Advertised as 61-72 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
Model years 2019-2022. Advertised as 61-72 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
Autos up to 20 years old (new or used). APR range 5.49%-23.00%; one range covers every term, with terms as long as 96 months. The low end is the as-low-as rate; your rate depends on credit.
Autos up to 20 years old (new or used). APR range 5.49%-23.00%; one range covers every term, with terms as long as 96 months. The low end is the as-low-as rate; your rate depends on credit.
New or used vehicles, model years 2021-2026. Advertised as 67-75 months. APR as low as; rates depend on credit history. Terms of 72 months or more need a loan over $20,000.
New or used vehicles, model years 2021-2026. Advertised as 67-75 months. APR as low as; rates depend on credit history. Terms of 72 months or more need a loan over $20,000.
New vehicle. Advertised as up to 60 months. APR range 5.49%-17.64%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Rates effective October 1, 2026.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.
Published for a 72-month term. Auto model years 2022-2024; $15,000 minimum. Under 75,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
Published for a 60-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 60-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 60-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 67 to 72 months.
As low as APR. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
Used auto model years 2022-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Minimum $15,000 loan for terms over 66 months. Advertised as up to 78 months.
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. 1% rate increase for vehicles 5 years or older. Advertised as 48 months.
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. Advertised as 60 months.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.
Published for a 60-month term. New/used cars model years 2023 and above (rate 5.25%). Credit score 740+; based on $25,000 financed. Effective 11/11/2026.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
Published for a 60-month term. Auto model years 2022-2024; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Promo ratePromo rate: A promotional rate the lender may end at any time.
Limited-time discount for refinancing a loan from another lender: 0.50% APR discount, rates as low as 5.39% APR after the discount. Offer ends Dec. 31, 2026. Standard refinance range is 5.89%-18.00% APR as of 11/1/2026. Lowest APR based on 60-month or less term, collateral two years old or newer, and up to 90% LTV. Disclosure 2 on becu.org/rates. Source pages: https://www.becu.org/rates and official consumer lending PDF https://www.becu.org/-/media/Files/PDF/P-463.pdf.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 0 to 48 months.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; advertised term range ending at 48 months.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
Autos - New (2020 and newer). APR as low as; term not assigned to the rate. Advia's rate table is ZIP-based; these were shown for Michigan ZIP 49009. Rate depends on credit, term and vehicle type.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2023-2024. APR includes a 0.25% discount for autopay from an AEFCU checking account. Effective November 11, 2026. Advertised as 1-63 months.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto model years 2024 to 2026 (new or used). Advertised as up to 63 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.
APR as low as. Advertised as 61-72 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. New auto is a current-year vehicle with no more than 6,000 miles.
APR as low as. Advertised as 61-72 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. Used vehicles over 6 years old add 1.00%.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
Published for a 48-month term. Auto model years 2022-2024; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
Applies to 67-75 month terms. Used vehicle up to 7 years old and 100,000 miles. APR as low as with payroll deduction or automatic draft (non-payroll-deduction APR is 0.50 points higher).
Published for a 60-month term. New/used auto and motorcycle, up to 4 model years old. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
Published for a 60-month term. New/used auto and motorcycle, up to 4 model years old. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
Terms up to 60 months. New vehicle with Auto Pay from a DFCU account (0.25 points higher without). Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
Published for a 6-year (72-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Published for a 6-year (72-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Car or light truck loan. Advertised as up to 78 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.
APR as low as for 2026-2027 model years (rate is set by model year, not new/used status). Additional rates and terms available. Advertised as up to 60 months.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Advertised as 49-60 months.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Advertised as 49-60 months.
2023-2026 used vehicles (max 150k miles); APR range 5.30%-14.99% for 49-60 months (5.30%-13.99% up to 48). Max LTV 140%. Rates effective July 16, 2026. Advertised as 1-60 months.
Published for a 48-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 48-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 48-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. 2024 and older. Term limits: model years 2023-2024 max 84 months; 2020-2022 max 72 months; 2019 and older max 60 months.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 49 to 66 months.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2025-2027. APR includes a 0.25% discount for autopay from an AEFCU checking account. Effective November 11, 2026. Advertised as 52-63 months.
Used Auto APR as low as (rate 5.14%). Rate effective October 26, 2026. Shown with a 48-month payment example on a $15,000 loan; highly qualified credit. A $175 doc prep fee applies.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Model years 2022 and newer (new or used). APR as low as; based on credit, payment method, loan term, and loan amount. The page does not tie the rate to a term. Effective November 11, 2026.
Published for a 36-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 36-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 36-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
APR as low as for new, used, and pre-owned autos. The page gives term guidelines by loan amount rather than a rate per term: 84 months needs at least $20,000, 72 months at least $15,000, 60 months at least $10,000, and 48 months at least $5,000. Vehicles over 100,000 miles add 1.00%. Loan rates unchanged as of October 22, 2026.
APR as low as for new, used, and pre-owned autos. The page gives term guidelines by loan amount rather than a rate per term: 84 months needs at least $20,000, 72 months at least $15,000, 60 months at least $10,000, and 48 months at least $5,000. Vehicles over 100,000 miles add 1.00%. Loan rates unchanged as of October 22, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Effective 11/02/2026. Advertised rate includes 0.25% reduction for autopay from a Greenwood checking account and is the lowest available. Interest rate determined by creditworthiness. 2024-NEW.
As low as 5.24% APR for used auto. Term not specified on the all-rates page. Terms available up to 84 months per the auto-loans page, but the 5.24% APR is not assigned to a specific term.
UT · AZ, NV, and NM have separate rate sheets · Checked Nov 10, 2026
›What the lender published
Utah/other states loan-rates PDF effective November 1, 2026 (excludes AZ, NV, and NM, which have separate sheets). 'VEHICLE' fixed APR 5.24%-18.00%. Term and new vs used were not broken out on this sheet, so the same starting APR is listed once for new and once for used. APRs based on approved credit and may be higher.
UT · AZ, NV, and NM have separate rate sheets · Checked Nov 10, 2026
›What the lender published
Utah/other states loan-rates PDF effective November 1, 2026. 'VEHICLE' fixed APR 5.24%-18.00%. Term and new vs used were not broken out; listed here as used with the same published vehicle starting APR.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 67-75 months.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 76-78 months.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 67-75 months.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 76-78 months.
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. 1% rate increase for vehicles 5 years or older. Advertised as 36 months.
Model years 2023 and newer. Lowest available APR; actual rate based on overall creditworthiness. Rates accurate as of 11/11/2026. Advertised as 60 months.
APR as low as; assumes excellent credit. Minimum loan $10,000 up to 60 months ($20,000 to 72, $30,000 to 84). Only vehicles from franchise dealers or TrueCar Certified, Carvana, CarMax or Hertz Car Sales. Terms up to 84 months; the used rate is not tied to a specific term.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto refinance loan, advertised as 6-36 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto refinance loan, advertised as 37-66 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto refinance loan, advertised as 67-78 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2022 and newer (new or used). Published for a 48-month term. APR as low as; includes a 0.50% discount for automatic payments. Rates and terms depend on loan-to-value, mileage, credit score, and model year. Effective September 29, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 84-month term. APR as low as for a VantageScore of 740 or higher. Requires automatic payments and an OKCU checking account with monthly direct deposit of at least $2,000. The same rate table covers new and used autos. Effective September 22, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 84-month term. APR as low as for a VantageScore of 740 or higher. Requires automatic payments and an OKCU checking account with monthly direct deposit of at least $2,000. The same rate table covers new and used autos. Effective September 22, 2026.
Model years 2023 and newer. Advertised as 37-60 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
Model years 2019-2022. Advertised as 37-60 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
2025-2027 new vehicles (under 15,000 miles); APR range 5.20%-14.89% for 49-60 months (5.20%-13.89% up to 48). Max LTV 140%. Rates effective July 16, 2026. Advertised as 1-60 months.
Applies to 61-66 month terms. Used vehicle up to 7 years old and 100,000 miles. APR as low as with payroll deduction or automatic draft (non-payroll-deduction APR is 0.50 points higher).
Published for a 48-month term. New/used auto and motorcycle, up to 5 model years old. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
Published for a 48-month term. New/used auto and motorcycle, up to 5 model years old. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 0 to 48 months.
As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Minimum $15,000 loan for terms over 66 months. Advertised as up to 78 months.
Used auto model years 2022-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 48 months.
Used auto model years 2022-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 66 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2025-2027. APR includes a 0.25% discount for autopay from an AEFCU checking account. Effective November 11, 2026. Advertised as 1-51 months.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
New model years 2026-2027. Advertised as up to 36 months. Special rate as low as for a limited time; minimum loan $5,000, financing up to 80% of value. Rates depend on credit. Rates current as of October 26, 2026.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
Used model years 2025-2027. Advertised as up to 36 months. Special rate as low as for a limited time; minimum loan $5,000, financing up to 90% of value. Rates depend on credit. Rates current as of October 26, 2026.
New and used auto APR as low as; based on loan term, credit and collateral. The page's payment example uses a 36-month term, but the rate is not tied to a specific term. Commercial-use vehicles not eligible.
New and used auto APR as low as; based on loan term, credit and collateral. The page's payment example uses a 36-month term, but the rate is not tied to a specific term. Commercial-use vehicles not eligible.
Model years 2023 and newer. Fixed APR as low as; term not assigned to the rate (rates may change based on loan term and credit score). A processing fee applies and increases the APR.
Auto refinance, model years 2023 and newer. Fixed APR as low as; term not assigned to the rate (rates may change based on loan term and credit score). A processing fee applies and increases the APR.
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Promo ratePromo rate: A promotional rate the lender may end at any time.
New autos, model year 2025 and newer. Published for a 60-month term. Special rate as low as; needs a OneAZ checking account and is not available through dealers. Rates depend on credit.
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Promo ratePromo rate: A promotional rate the lender may end at any time.
Used autos up to 15 years old. Published for a 60-month term. Special rate as low as; needs a OneAZ checking account and is not available through dealers. Rates depend on credit.
Excellent credit tier rate (published tiers run to 17.20% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as 49-66 months.
Excellent credit tier rate (published tiers run to 17.20% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as 49-66 months.
2022-2023 models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 60 months.
Applies to 49-66 month terms. Model years 2022-2024. APR as low as for well-qualified applicants; varies with credit, amount financed, vehicle value, model year and mileage.
As low as APR. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.
Published for a 72-month term. Auto model years 2025 or newer; $15,000 minimum. Under 75,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 12-36 months.
New vehicles defined as 2025 to current model year. Payment example: 60 payments of $18.96 per $1,000 borrowed based upon a 5.09% APR. Other rates and terms up to 84 months are available but were not listed. Rates vary based on term. Auto refinance is advertised as low as 5.09% APR on the same page without a separate term table.
As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
Fixed APR range 5.09%-9.09% based on credit qualification; same rate for 3- to 7-year terms. Promotional rates do not apply to refinancing existing Star One loans. Advertised as up to 84 months.
Fixed APR range 5.09%-9.09% based on credit qualification; same rate for 3- to 7-year terms. Promotional rates do not apply to refinancing existing Star One loans. Advertised as up to 84 months.
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. Advertised as 48 months.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Car or light truck loan. Advertised as up to 72 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.
APR as low as, current as of 11/04/2026; based on vehicle year, underwriting and amount borrowed. A loan processing fee of 2% (min $30, max $85) applies and affects the APR. Advertised as 24-66 months.
Published for a 36-month term. New/used auto and motorcycle, up to 10 model years old. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
Published for a 36-month term. New/used auto and motorcycle, up to 10 model years old. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
The published figure may include an autopay, direct-deposit, or relationship discount.
Used vehicle, model year 2023, 48 months. APR includes a 0.25% discount for autopay from a Connex checking account. Rates are for new loans only; existing Connex loans do not qualify.
Terms up to 72 months. New/current-year autos (2026, under 15,000 miles). APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.
Terms up to 66 months. Used autos 1-3 years old (2023-2026); loans greater than $12,000. APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Published for a 24-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 24-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Published for a 24-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
As low as 4.99% APR for new auto. Term not specified on the all-rates page. Separate auto-loans page says terms are available up to 84 months (84-month terms for vehicles up to 10 model years old, 2018-2027) but does not assign the 4.99% APR to a specific term. Rates vary by amount borrowed and term.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. Used auto, models 2023-2026.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. Used auto, models 2023-2026.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. Used auto, model years 2020-2025.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Bucket labeled New-2021; up to 66 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Bucket labeled New-2021 also covers 2021 used vehicles; up to 66 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. New-2021; 67 to 78 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. New through 2021 model years; 67 to 78 months.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as up to 36 months.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 37-48 months.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 49-66 months.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as up to 36 months.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 37-48 months.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 49-66 months.
Vehicles up to 15 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 66 months.
Vehicles up to 15 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 66 months.
APR as low as; assumes excellent credit. Minimum loan $10,000 up to 60 months ($20,000 to 72, $30,000 to 84). Only vehicles from franchise dealers or TrueCar Certified, Carvana, CarMax or Hertz Car Sales. Advertised as up to 60 months.
2024 and newer models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 66 months.
2024-2025 models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 66 months.
APR range 4.99%-14.99%. Listed as Used Automobiles; rate based on primary applicant's credit (2019 or older add 2%). Not valid on refinancing existing Abri auto loans. Advertised as 37-60 months.
Regular rate range 4.99%-19.49%; assumes loan-to-value of 100% or less and term of 60 months or less (call for older than 2016 models). Advertised as up to 60 months.
Terms up to 63 months. Auto loans for model year 2023 or newer (new or used). APR as low as; rates based on creditworthiness, loan amount, term and vehicle age.
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
The published figure may include an autopay, direct-deposit, or relationship discount.
Terms up to 60 months. Model years 2023 and newer. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.
Model years 2025 and newer. Rate may vary by credit history, vehicle year and loan term; the page does not tie the rate to a term. Rates effective November 10, 2026.
Model years 2020-2024 (same as-low-as APR for 2023-2024 and 2020-2022). Rate may vary by credit history, vehicle year and loan term. Rates effective November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model year 2024 and newer, 48 months. APR includes a 0.25% discount for autopay from a Connex checking account. Rates are for new loans only; existing Connex loans do not qualify. Higher rates may apply for private purchases, lease buyouts or cash-out refinancing.
Published for a 5-year (60-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Published for a 5-year (60-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Vehicle model years 2025-2027. APR as low as, quoted for 60-month financing; loan fees apply. Rate depends on credit approval. Other rates and terms available. Rates quoted as of October 2026.
Vehicle model years 2023-2024. APR as low as, quoted for 60-month financing; loan fees apply. Rate depends on credit approval. Other rates and terms available. Rates quoted as of October 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2022 and newer (new or used). Advertised as up to 36 months. APR as low as; includes a 0.50% discount for automatic payments. Rates and terms depend on loan-to-value, mileage, credit score, and model year. Effective September 29, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 75-month term. APR as low as for a VantageScore of 740 or higher. Requires automatic payments and an OKCU checking account with monthly direct deposit of at least $2,000. The same rate table covers new and used autos. Effective September 22, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 75-month term. APR as low as for a VantageScore of 740 or higher. Requires automatic payments and an OKCU checking account with monthly direct deposit of at least $2,000. The same rate table covers new and used autos. Effective September 22, 2026.
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Promo ratePromo rate: A promotional rate the lender may end at any time.
New autos, model year 2025 and newer. Published for a 48-month term. Special rate as low as; needs a OneAZ checking account and is not available through dealers. Rates depend on credit.
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Promo ratePromo rate: A promotional rate the lender may end at any time.
Used autos up to 15 years old. Published for a 48-month term. Special rate as low as; needs a OneAZ checking account and is not available through dealers. Rates depend on credit.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
Published for a 3-year (36-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Published for a 4-year (48-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Published for a 3-year (36-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Published for a 4-year (48-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
APR as low as. Advertised as 37-60 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. New auto is a current-year vehicle with no more than 6,000 miles.
APR as low as. Advertised as 37-60 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. Used vehicles over 6 years old add 1.00%.
Published for a 24-month term. New/used auto and motorcycle, up to 10 model years old. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
Published for a 24-month term. New/used auto and motorcycle, up to 10 model years old. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 61-72 months.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 48 months.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 66 months.
New auto: current or upcoming model year (2026 and newer) with under 6,000 miles. Rate as low as 4.75%; APR 4.89%. Rates effective November 11, 2026. Advertised as up to 42 months.
New Auto APR as low as (rate 4.74%). Rate effective October 26, 2026. Shown with a 48-month payment example on a $15,000 loan; highly qualified credit. A $175 doc prep fee applies.
As low asEV/hybrid onlyEV/hybrid only: This rate applies only to EV/hybrid vehicles.Promo ratePromo rate: A promotional rate the lender may end at any time.
Eco vehicle special: as low as 4.84% APR for electric, hybrid, and plug-in hybrid vehicles, valid on present calendar year models and previous three calendar year models, for terms up to 72 months. APR effective 10/1/2026. Existing Suncoast loans are not eligible for refinance under this offer. Listed under new because the special covers current and prior three model years; used eco vehicles in that window may also qualify.
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. Advertised as 36 months.
Applies to 67-84 month terms. Model years 2025-2027. APR as low as for well-qualified applicants; varies with credit, amount financed, vehicle value, model year and mileage.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term. PenFed does not permit internal refinances of an existing PenFed auto loan.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
Published for a 60-month term. Auto model years 2025 or newer; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
As low asMilitary onlyMilitary only: Eligibility limit: only open to military. Other borrowers can’t get this rate.DoD or New EnglandDoD or New England: Lender condition: DoD or New England.
Automobiles rates starting at 4.74% APR. Term not specified on the rate table. Page also states 'low interest rates as low as 4.24% APR' in marketing copy; the rate table lists 4.74% APR as the starting automobile rate, which is the rate we list.
As low asMilitary onlyMilitary only: Eligibility limit: only open to military. Other borrowers can’t get this rate.DoD or New EnglandDoD or New England: Lender condition: DoD or New England.
Same published automobile starting rate; page says loans are available for both new and used vehicles and does not split the 4.74% APR by new vs used. Term not specified.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. Used auto, model years 2020-2025.
As-low-as APR. Rate shown for the lender's home area; yours may differ. Same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as 76-84 months.
As-low-as APR. Rate shown for the lender's home area; yours may differ. Same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as 76-84 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2025-2027; same as-low-as APR for up to 36, 37-48 and 49-60 months. Reflects a 0.25% discount for autopay from a Sikorsky account. Effective October 1, 2026. Advertised as up to 60 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2022-2024; same as-low-as APR for up to 36, 37-48 and 49-60 months. Reflects a 0.25% autopay discount. Effective October 1, 2026. Advertised as up to 60 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
The same table covers refinancing a loan from another lender (existing Sikorsky loans are not eligible); lowest APR shown is for model years 2022-2027 up to 60 months. Reflects a 0.25% autopay discount. Effective October 1, 2026.
New & used auto loans; same APR up to 36, 48 and 60 months. Based on creditworthiness; vehicle age sets the maximum term. Promotional rate. Advertised as up to 60 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
APR as low as for a 36-month term; individual rates depend on credit history. An additional 0.25% discount is available with automatic payments from an orsa checking account. Longer terms are available by quote. Updated November 11, 2026.
Terms up to 60 months. Used vehicle up to 7 years old and 100,000 miles. APR as low as with payroll deduction or automatic draft (non-payroll-deduction APR is 0.50 points higher).
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Car or light truck loan. Advertised as up to 66 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.
Terms up to 48 months. Model years 2022-2024. APR as low as for well-qualified applicants; varies with credit, amount financed, vehicle value, model year and mileage.
Published for a 2-year (24-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
Published for a 2-year (24-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 37-60 months.
APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 60 months.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Advertised as up to 48 months.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Advertised as up to 48 months.
Advertised as 24-84 months; APR range 4.59%-16.89%. Term depends on vehicle age, up to 7 years old. Rate is determined by credit risk score; the lowest rate needs 30% down. An extra 0.25% discount is available with payroll deduction.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
APR as low as. Advertised as up to 36 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. New auto is a current-year vehicle with no more than 6,000 miles.
APR as low as. Advertised as up to 36 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. Used vehicles over 6 years old add 1.00%.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
Go Beyond: Member Giveback limited-time rate through Dec. 31, 2026, for well-qualified borrowers; new, used and refinance. Advertised as up to 60 months.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
Go Beyond: Member Giveback limited-time rate through Dec. 31, 2026, for well-qualified borrowers; new, used and refinance. Advertised as up to 60 months.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
Go Beyond: Member Giveback limited-time rate through Dec. 31, 2026, for well-qualified borrowers; new, used and refinance. Advertised as up to 60 months.
Excellent credit tier rate (published tiers run to 16.75% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as up to 48 months.
Excellent credit tier rate (published tiers run to 16.75% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as up to 48 months.
Model years 2023 and newer. Lowest available APR; actual rate based on overall creditworthiness. Rates accurate as of 11/11/2026. Advertised as 24 months.
As low asCCU buying serviceCCU buying service: Rate requires buying through CCU’s Car Buying Service from a participating dealer. JustAutoRates is not affiliated with CCU.AutopayAutopay: The published rate assumes automatic payments (autopay).
Rate requires buying through CCU’s Car Buying Service from a participating dealer. JustAutoRates is not affiliated with CCU.
The published figure may include an autopay, direct-deposit, or relationship discount.
Includes a 0.50% discount for buying at a certified dealer through CCU's Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 0-60 months.
As low asCCU buying serviceCCU buying service: Rate requires buying through CCU’s Car Buying Service from a participating dealer. JustAutoRates is not affiliated with CCU.AutopayAutopay: The published rate assumes automatic payments (autopay).
Rate requires buying through CCU’s Car Buying Service from a participating dealer. JustAutoRates is not affiliated with CCU.
The published figure may include an autopay, direct-deposit, or relationship discount.
Includes a 0.50% discount for buying at a certified dealer through CCU's Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 0-60 months.
APR range 4.49%-14.49%. Listed as Used Automobiles; rate based on primary applicant's credit (2019 or older add 2%). Not valid on refinancing existing Abri auto loans. Advertised as 12-36 months.
Regular rate range 4.49%-17.49%; assumes loan-to-value of 100% or less and term of 60 months or less. Not all borrowers qualify for the lowest rate. Advertised as up to 60 months.
New and used auto & truck APR as low as; based on creditworthiness and vehicle age. The payment example uses 36 months, but the rate is not tied to a term.
New and used auto & truck APR as low as; based on creditworthiness and vehicle age. The payment example uses 36 months, but the rate is not tied to a term.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Military & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for 36-month terms; applies to dealer purchases. Includes a 0.25% discount for optional automatic payments. Lowest APR as low as; checked 11/11/2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Military & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for 36-month terms; applies to vehicle refinancing. Includes a 0.25% discount for optional automatic payments. Lowest APR as low as; checked 11/11/2026.
Applies to 49-66 month terms. Model years 2025-2027. APR as low as for well-qualified applicants; varies with credit, amount financed, vehicle value, model year and mileage.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Car or light truck loan. Advertised as up to 48 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.
New or used auto. Published for a 36-month term. APR as low as; needs a credit score of 760 and a vehicle with under 80,000 miles. Longer terms are offered at higher rates. Effective September 29, 2026.
New or used auto. Published for a 36-month term. APR as low as; needs a credit score of 760 and a vehicle with under 80,000 miles. Longer terms are offered at higher rates. Effective September 29, 2026.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
Published for a 36-month term. Auto model years 2022-2024; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
Published for a 48-month term. Auto model years 2025 or newer; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
Published for a 36-month term. Auto model years 2025 or newer; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
Terms up to 60 months. Used autos 1-3 years old (2023-2026). APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Rate valid up to 48 months; lowest rate includes up to 1.00% in combined discounts (insurance, service contract, existing auto loan, checking, Visa card). Advertised as up to 48 months.
Rate valid up to 48 months; lowest rate includes up to 1.00% in combined discounts (insurance, service contract, existing auto loan, checking, Visa card). Advertised as up to 48 months.
Rate valid up to 48 months; lowest rate includes up to 1.00% in combined discounts (insurance, service contract, existing auto loan, checking, Visa card). Advertised as up to 48 months.
As-low-as APR. Rate shown for the lender's home area; yours may differ. Same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as 64-75 months.
As-low-as APR. Rate shown for the lender's home area; yours may differ. Same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as 64-75 months.
One auto loan table for new and used vehicles; no down payment required. Actual rate depends on credit and collateral. Effective October 9, 2026. Advertised as 24 months.
One auto loan table for new and used vehicles; no down payment required. Actual rate depends on credit and collateral. Effective October 9, 2026. Advertised as 24 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
New/used table. As-low-as rate includes a 0.25% direct deposit discount and a 36-month term; vehicle must be no more than three model years old and the loan cannot exceed Atlantic's retail value. Minimum loan amounts apply. Advertised as 36 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
New/used table. As-low-as rate includes a 0.25% direct deposit discount and a 36-month term; vehicle must be no more than three model years old. Advertised as 36 months.
Refinance rate as low as for 48 months; does not apply to existing TCFCU auto loans. Rate reflects a 0.25% relationship pricing discount. Terms up to 84 months, up to 120% financing.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 60-month term. APR as low as for a VantageScore of 740 or higher. Requires automatic payments and an OKCU checking account with monthly direct deposit of at least $2,000. The same rate table covers new and used autos. Effective September 22, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 60-month term. APR as low as for a VantageScore of 740 or higher. Requires automatic payments and an OKCU checking account with monthly direct deposit of at least $2,000. The same rate table covers new and used autos. Effective September 22, 2026.
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 12-36 months.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
Terms up to 60 months. New/current-year autos (2026, under 15,000 miles). APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.
APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 60 months.
As low asBCU buying serviceBCU buying service: Rate requires buying through BCU’s Auto Buying Service from a participating dealer. JustAutoRates is not affiliated with BCU.
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
The published figure may include an autopay, direct-deposit, or relationship discount.
Terms up to 36 months. Model years 2023 and newer. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
As low asMilitary onlyMilitary only: Eligibility limit: only open to military. Other borrowers can’t get this rate.DoD or New EnglandDoD or New England: Lender condition: DoD or New England.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
36-month special rate; same rate for new, used and refinance. Lowest rate includes up to 1.00% in combined discounts (credit life and disability insurance, extended service contract, existing FCCU auto loan, First Rewards Checking, FCCU Visa card). Advertised as up to 36 months.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
36-month special rate; same rate for new, used and refinance. Lowest rate includes up to 1.00% in combined discounts (credit life and disability insurance, extended service contract, existing FCCU auto loan, First Rewards Checking, FCCU Visa card). Advertised as up to 36 months.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
36-month special rate; same rate for new, used and refinance. Lowest rate includes up to 1.00% in combined discounts (credit life and disability insurance, extended service contract, existing FCCU auto loan, First Rewards Checking, FCCU Visa card). Advertised as up to 36 months.
As-low-as APR. Rate shown for the lender's home area; yours may differ. Same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as up to 63 months.
As-low-as APR. Rate shown for the lender's home area; yours may differ. Same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as up to 63 months.
Terms up to 48 months. Model years 2025-2027. APR as low as for well-qualified applicants; varies with credit, amount financed, vehicle value, model year and mileage.
Vehicle loan table (not split by new or used); up to 110% financing. Rates reflect relationship loan discount pricing; not all applicants qualify. Advertised as up to 24 months.
Vehicle loan table (not split by new or used); financing options may vary with mileage. Rates reflect relationship loan discount pricing. Advertised as up to 24 months.
Model years 2023 and newer. Advertised as 0-36 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
Model years 2019-2022. Advertised as 0-36 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
Auto loan. Starting rate; terms as long as 84 months, and the page does not tie the rate to a term. Includes a 0.25% discount for financing 90% or less of the vehicle's value. Rates depend on credit and term.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 36 months.
Advertised as 24-84 months; APR range 3.84%-14.94%. Rate is determined by credit risk score; the lowest rate needs 30% down. An extra 0.25% discount is available with payroll deduction.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 36-month term. APR as low as for a VantageScore of 740 or higher. Requires automatic payments and an OKCU checking account with monthly direct deposit of at least $2,000. The same rate table covers new and used autos. Effective September 22, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for a 36-month term. APR as low as for a VantageScore of 740 or higher. Requires automatic payments and an OKCU checking account with monthly direct deposit of at least $2,000. The same rate table covers new and used autos. Effective September 22, 2026.
As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 36 months.
As low asBCU buying serviceBCU buying service: Rate requires buying through BCU’s Auto Buying Service from a participating dealer. JustAutoRates is not affiliated with BCU.
AutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
AutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
AutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
Employees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.
CT · DC · DE · MA · MD · ME · NH · NJ · NY · PA · VA · VT · WV
Checking accountChecking account: The published rate assumes a checking account with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.
Promo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.
Promo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
Employees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Employees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Members onlyMembers only: Eligibility limit: only open to Rutgers community. Other borrowers can’t get this rate.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.
Members onlyMembers only: Eligibility limit: only open to Rutgers community. Other borrowers can’t get this rate.Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.
Members onlyMembers only: Eligibility limit: only open to Rutgers community. Other borrowers can’t get this rate.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.
TrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Autopay + eStatementsAutopay + eStatements: The published rate assumes autopay and eStatements discounts.LTV under 75%LTV under 75%: Loan-to-value (loan amount vs. vehicle value) must be under 75%.
Autopay + eStatementsAutopay + eStatements: The published rate assumes autopay and eStatements discounts.LTV under 75%LTV under 75%: Loan-to-value (loan amount vs. vehicle value) must be under 75%.
Autopay + eStatementsAutopay + eStatements: The published rate assumes autopay and eStatements discounts.LTV under 75%LTV under 75%: Loan-to-value (loan amount vs. vehicle value) must be under 75%.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.Direct depositDirect deposit: The published rate requires direct deposit with the lender.
TrueCar buying serviceTrueCar buying service: Rate requires buying through Alliant’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Alliant or TrueCar.AutopayAutopay: The published rate assumes automatic payments (autopay).
AutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.
Employees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Promo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
Promo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
TrueCar buying serviceTrueCar buying service: Rate requires buying through Alliant’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Alliant or TrueCar.AutopayAutopay: The published rate assumes automatic payments (autopay).
AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
TrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Direct depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.
Direct depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
Direct depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.
Promo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $8,000Min. loan $8,000: The lender publishes this rate with a $8,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
Promo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $8,000Min. loan $8,000: The lender publishes this rate with a $8,000 minimum loan amount.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $22,000Min. loan $22,000: The lender publishes this rate with a $22,000 minimum loan amount.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $22,000Min. loan $22,000: The lender publishes this rate with a $22,000 minimum loan amount.
Employees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
AutopayAutopay: The published rate assumes automatic payments (autopay).LTV under 80%LTV under 80%: Loan-to-value (loan amount vs. vehicle value) must be under 80%.
AutopayAutopay: The published rate assumes automatic payments (autopay).LTV under 80%LTV under 80%: Loan-to-value (loan amount vs. vehicle value) must be under 80%.
Direct depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.
AutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Promo ratePromo rate: A promotional rate the lender may end at any time.
AutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
AutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
Employees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Employees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Employees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
AutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
AutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
Promo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
Promo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.
Checking accountChecking account: The published rate assumes a checking account with the lender.Promo ratePromo rate: A promotional rate the lender may end at any time.
Checking accountChecking account: The published rate assumes a checking account with the lender.Promo ratePromo rate: A promotional rate the lender may end at any time.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.
AutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
TrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Employees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
TrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Direct depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
AutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
AutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
Checking accountChecking account: The published rate assumes a checking account with the lender.Promo ratePromo rate: A promotional rate the lender may end at any time.
Checking accountChecking account: The published rate assumes a checking account with the lender.Promo ratePromo rate: A promotional rate the lender may end at any time.
TrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
Employees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Military onlyMilitary only: Eligibility limit: only open to military. Other borrowers can’t get this rate.DoD or New EnglandDoD or New England: Lender condition: DoD or New England.
Military onlyMilitary only: Eligibility limit: only open to military. Other borrowers can’t get this rate.DoD or New EnglandDoD or New England: Lender condition: DoD or New England.
AutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
TrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Employees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Employees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Promo ratePromo rate: A promotional rate the lender may end at any time.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
Promo ratePromo rate: A promotional rate the lender may end at any time.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
Promo ratePromo rate: A promotional rate the lender may end at any time.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
CCU buying serviceCCU buying service: Rate requires buying through CCU’s Car Buying Service from a participating dealer. JustAutoRates is not affiliated with CCU.AutopayAutopay: The published rate assumes automatic payments (autopay).
CCU buying serviceCCU buying service: Rate requires buying through CCU’s Car Buying Service from a participating dealer. JustAutoRates is not affiliated with CCU.AutopayAutopay: The published rate assumes automatic payments (autopay).
AutopayAutopay: The published rate assumes automatic payments (autopay).Military & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.
AutopayAutopay: The published rate assumes automatic payments (autopay).Military & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.
AutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.
TrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Employees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
AutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
AutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
BCU buying serviceBCU buying service: Rate requires buying through BCU’s Auto Buying Service from a participating dealer. JustAutoRates is not affiliated with BCU.
Direct depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
Employees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
Military onlyMilitary only: Eligibility limit: only open to military. Other borrowers can’t get this rate.DoD or New EnglandDoD or New England: Lender condition: DoD or New England.
Promo ratePromo rate: A promotional rate the lender may end at any time.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
Promo ratePromo rate: A promotional rate the lender may end at any time.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
Promo ratePromo rate: A promotional rate the lender may end at any time.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
TrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
TrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Employees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.
AutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
AutopayAutopay: The published rate assumes automatic payments (autopay).Direct depositDirect deposit: The published rate requires direct deposit with the lender.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
TrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
BCU buying serviceBCU buying service: Rate requires buying through BCU’s Auto Buying Service from a participating dealer. JustAutoRates is not affiliated with BCU.
Credit union membership: Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying.
How Our Rate Board Works
Every rate comes from the lender’s own website and is the lowest APR it advertises, so yours depends on your credit, vehicle, and term. Sponsored spots are labeled and never change the order.
Straight from the lender›
Every rate comes from the lender’s own website, and we show the date we last checked it.
“As low as” rates›
Rates labeled “As low as” represent the lender’s minimum advertised rate. They are not guaranteed offers of credit. Final APRs, loan terms, and approval depend on individual factors including credit score, vehicle age, loan amount, and underwriting approval.
Preserved loan terms›
If a lender publishes a term range (e.g., “37–60 months” or “up to 65 months”), we show that exact range rather than rounding it to a single 60-month figure. Payment figures are always labeled as estimates. When a lender doesn’t name a term, we say “Term not listed.”
Buying-service rates›
Some lenders publish lower rates that only apply when you buy through their car-buying program (for example, a TrueCar-powered service) from a participating dealer. These rates are tagged, and we aren’t affiliated with these programs or their dealers.
Credit union membership›
Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying. Rates limited to a specific group, such as military families or employees, carry a tag naming who is eligible and are kept out of the “Lowest for everyone” figure.
Sorting & sponsorships›
Rates are sorted from the lowest advertised APR up. Featured sponsor placements are clearly labeled as sponsored content and do not alter or inflate the natural sorting order of organic lender listings.
Disclaimer & independence›
JustAutoRates is an independent informational publisher, not a lender or credit broker. Lender names, logos, and trademarks belong to their respective owners. Rates are subject to change by lenders at any time without notice. We may receive compensation from partners or featured sponsors on this page.
We check each lender’s own rate page every week. Every rate shows the date we last checked it and links to the lender’s site, and a rate only appears here if the lender shows it there.
What do tags like “with autopay” mean?
We show the lowest APR each lender publishes, even when it comes with a condition. The tag names that condition, such as an autopay discount or a dealer-only offer, so you can see what each rate requires. Rates with no condition say “Standard rate”.
What does “Show [your state] lenders only” do?
Once you pick a state, the “Show [your state] lenders only” switch hides nationwide lenders and shows only the credit unions and banks whose published coverage includes your state.
Do I need to join a credit union to get its rate?
Credit unions lend to their members, so you usually need to join before you borrow. Each lender’s site explains who can join. Rates limited to a specific group, such as military families or employees, carry a tag naming who is eligible, and they are kept out of the “Lowest for everyone” figure.
