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.
233 rates from 130 lenders · 84m · 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.
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.
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.
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.
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.
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.
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.
Auto loans. Advertised as 73-84 months. Includes a 0.25% reduction for automatic payment from a Park Community account. Rate depends on credit score, vehicle age and value, and term. Rates as of October 14, 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. 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.
Used cars and trucks up to 3 years old (model years 2023 and newer get the same rate as new). Advertised as 73-84 months. APR as low as; rate depends on credit, amount financed, and term.
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.
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.
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
Vehicles 2023-2024. Published for a 84-month term. Lowest APR assumes excellent credit and the top (Diamond) tier of the My Member Perks program. Rates effective November 1, 2026.
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.
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.
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 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.
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.
New autos and the previous 3 model years with under 30,000 miles. Published for a 84-month term. APR as low as. Separate relationship discounts may lower the rate further. Effective November 1, 2026.
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
Vehicles 2025 and newer. Published for a 84-month term. Lowest APR assumes excellent credit and the top (Diamond) tier of the My Member Perks program. Rates effective November 1, 2026.
As low asLTV 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.
Used autos and motorcycles. Advertised as 73-84 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $20,000. Effective November 2, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans. Published for a 84-month term. APR as low as; reflects a 0.25% discount for automatic payments from a Campus Federal or other bank account. Rate depends on credit history.
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 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.
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.
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 asLTV 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.
New autos and motorcycles. Advertised as 73-84 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $20,000. Effective November 2, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).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.
Used cars and trucks (franchise-dealer purchases or refinances, up to two model years old). Advertised as 76-84 months. APR as low as with automatic payments from an APGFCU account. Minimum loan $20,000. Effective November 11, 2026.
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.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).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.
New cars, trucks, and vans (current or previous two model years, never titled). Advertised as 76-84 months. APR as low as with automatic payments from an APGFCU account. Minimum loan $20,000. Effective November 11, 2026.
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.
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).
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 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.
Used cars and trucks. Published for a 84-month term. APR as low as; includes a 0.25% discount for automatic monthly loan payments. Effective November 11, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
New autos, model year 2024 or newer. Advertised as 73-84 months; APR range 6.44%-18.00%. The page also offers a 0.25% discount for autopay from a Sound checking account; it does not say whether the listed rates include it.
The published figure may include an autopay, direct-deposit, or relationship discount.
Used autos, model years 2016-2023. Advertised as 73-84 months; APR range 6.44%-18.00%. The page also offers a 0.25% discount for autopay from a Sound checking account; it does not say whether the listed rates include it.
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.
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.
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.
New and used autos, model year 2019 or newer, under 30,000 miles. Advertised as 80-84 months. APR range 6.34%-9.14%; based on credit. Minimum loan $5,000.
New and used autos, model year 2019 or newer, under 30,000 miles. Advertised as 80-84 months. APR range 6.34%-9.14%; based on credit. Minimum loan $5,000.
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 asEligibility limitsEligibility limits: Eligibility limit: only open to NC local government employees, retirees and families. Other borrowers can’t get this rate.
As low asEligibility limitsEligibility limits: Eligibility limit: only open to NC local government employees, retirees and families. Other borrowers can’t get this rate.
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 $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 asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Checking accountChecking account: The published rate assumes a checking account with the lender.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
The published figure may include an autopay, direct-deposit, or relationship discount.
New car, truck, or SUV (seven model years old or newer). Published for a 84-month term. Lowest APR for qualified members; reflects a 0.25% discount for qualified direct deposit with automatic loan payment from a Lafayette checking account, and a 0.125% discount for a qualifying fuel-efficient vehicle. Effective November 1, 2026.
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Checking accountChecking account: The published rate assumes a checking account with the lender.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
The published figure may include an autopay, direct-deposit, or relationship discount.
Used car, truck, or SUV (seven model years old or newer). Published for a 84-month term. Lowest APR for qualified members; reflects a 0.25% discount for qualified direct deposit with automatic loan payment from a Lafayette checking account, and a 0.125% discount for a qualifying fuel-efficient vehicle. Effective November 1, 2026.
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, 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; 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.
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.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Vehicle loan rate shown in a payment example for an 84-month term on $20,000 (for vehicles up to 5 years old). Includes a 0.25% reduction for automatic payment. Minimum loan $10,000.
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.
Older-model auto loans. Published for a 84-month term. Rates include a 1.25% discount: 0.75% for payroll direct deposit and 0.50% for automatic payments.
New or used vehicles. Advertised as 76-84 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.
New or used vehicles. Advertised as 76-84 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.
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.
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.
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.
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 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 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.
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).
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.
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.
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.
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.
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.
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 asChecking accountChecking account: The published rate assumes a checking account with the lender.Direct depositDirect deposit: The published rate requires direct deposit with the lender.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2026 or newer. Published for an 84-month term. APR as low as; includes a 0.25% relationship discount with an IMCU checking account and direct deposit. Effective November 1, 2026.
New cars and trucks. Published for a 84-month term. APR as low as; includes a 0.25% discount for automatic monthly loan payments. 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.
Newer-model auto loans. Published for a 84-month term. Rates include a 1.25% discount: 0.75% for payroll direct deposit and 0.50% for automatic payments.
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.
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.
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 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 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.
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.
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.
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.
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.
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.
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.
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).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.
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.
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Min. loan $2,500Min. loan $2,500: The lender publishes this rate with a $2,500 minimum loan amount.
Auto and motorcycle loan. Published for a 84-month term. Needs an active checking account with at least $400 in deposits and 12 withdrawals of $5 or more each month, plus at least $2,500 in new loan money. Rates effective November 2, 2026.
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
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.
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 asTop 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.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 $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Autos and other titled vehicles. Published for a 84-month term (interest rate 4.49%, 5.49% for 84 months). APR includes a $59 processing fee and assumes loan-to-value of 80% or less, a credit score of 725 or higher, an active checking account or $10,000 on deposit, and direct deposit or autopay from a Verve account. The 84-month term needs at least $30,000.
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.
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.
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.
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.
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.
Cars, trucks, and vans, model year 2023 and newer. Published for an 84-month term. APR range 5.49%-10.14%; subject to credit approval. Rates effective November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans, model year 2022 or newer. Advertised as 73-84 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans, model year 2022 or newer. Advertised as 73-84 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.
New autos (current or previous model year with under 18,000 miles). Advertised as 73-84 months. APR as low as; best available rate based on approved credit, and a minimum credit score applies.
New autos, model year 2024 or newer. Advertised as up to 84 months; APR range 5.30%-12.69%. The low end includes a 0.25% discount for credit scores of 700 or higher with a loan-to-value below 85%. Rates current as of October 15, 2026.
As low asEligibility limitsEligibility limits: Eligibility limit: only open to NC state and public school employees, retirees and families. Other borrowers can’t get this rate.
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.
Cars, trucks, and vans 0-2 years old. Published for a 84-month term. APR as low as, based on a $25,000 loan; rates depend on credit and amount financed.
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.
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 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.
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.
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.
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.
Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.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.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
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.
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.
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.
AutopayAutopay: The published rate assumes automatic payments (autopay).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).Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.
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.
Eligibility limitsEligibility limits: Eligibility limit: only open to NC local government employees, retirees and families. Other borrowers can’t get this rate.
Eligibility limitsEligibility limits: Eligibility limit: only open to NC local government employees, retirees and families. Other borrowers can’t get this rate.
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.
Direct depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Checking accountChecking account: The published rate assumes a checking account with the lender.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
Direct depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Checking accountChecking account: The published rate assumes a checking account with the lender.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.
AutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.
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).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.
Checking accountChecking account: The published rate assumes a checking account with the lender.Direct depositDirect deposit: The published rate requires direct deposit with the lender.
Direct depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
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).Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.
Checking accountChecking account: The published rate assumes a checking account with the lender.Min. loan $2,500Min. loan $2,500: The lender publishes this rate with a $2,500 minimum loan amount.
Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
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.
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.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 $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 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.
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%.
Eligibility limitsEligibility limits: Eligibility limit: only open to NC state and public school employees, retirees and families. Other borrowers can’t get this rate.
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.
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?
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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?
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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?
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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.
