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.
184 rates from 145 lenders · New · 60m · Sorted by lowest 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 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.
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-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.
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.
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.
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 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 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 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 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.
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.
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 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 a 60-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 autos (current or previous model year with under 18,000 miles). Advertised as 37-60 months. APR as low as; best available rate based on approved credit, and a minimum credit score applies.
New cars and trucks. Published for a 60-month term. APR as low as; includes a 0.25% discount for automatic monthly loan payments. Effective November 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 37-60 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.
The published figure may include an autopay, direct-deposit, or relationship discount.
Autos and other titled vehicles. Published for a 60-month term (interest rate 4.49%). 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.
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.
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.
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.
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 60-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.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans, model year 2022 or newer. Advertised as 49-60 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.
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 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.
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.
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.
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 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.
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.
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.
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.
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.
Cars, trucks, and vans, model year 2023 and newer. Advertised as 36-60 months. APR range 4.99%-9.44%; subject to credit approval. Rates effective November 10, 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 60-month term. Rates include a 1.25% discount: 0.75% for payroll direct deposit and 0.50% for automatic payments.
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.
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.
Cars, trucks, and vans 0-2 years old. Published for a 60-month term. APR as low as, based on a $25,000 loan; rates depend on credit and amount financed.
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.
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.
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.
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.
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 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.
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.
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.
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.
As low asEligibility limitsEligibility limits: Eligibility limit: only open to NC local government employees, retirees and families. Other borrowers can’t get this rate.
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.
Vehicles seven model years old and newer. Advertised as up to 72 months. APR as low as; includes a 0.25% discount for having an STCU credit card in good standing.
Regular (non-promotional) auto rate. Published for a 60-month term. The page's full range for 2024 and newer vehicles is 4.49%-17.24%, based on credit history.
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.
New or used vehicles. Advertised as 37-66 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 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 49 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 52-63 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.
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.
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.
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.
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.
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 52-63 months. APR as low as with automatic payments from an APGFCU account. Effective November 11, 2026.
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 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.
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.
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.
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.
New autos and motorcycles. Advertised as 49-60 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $10,000. Effective November 2, 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.
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.
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.
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.
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.
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 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.
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 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 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 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 60-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.
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 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.
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.
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.
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.
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.
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.
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.
Auto, truck, and motorcycle loans. APR shown in a payment example for a 60-month term on $25,000, including a $149 loan processing fee (interest rate 5.49%). Rates vary by model year.
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.
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.
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
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.
The published figure may include an autopay, direct-deposit, or relationship discount.
New autos, model year 2024 or newer. Advertised as 49-60 months; APR range 5.84%-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.
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 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.
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 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.
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.
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.
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. Advertised as up to 60 months. Lowest APR assumes excellent credit and the top (Diamond) tier of the My Member Perks program. Rates effective November 1, 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. 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.
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 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.
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.
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.
New vehicles (current or recent model year, 2,000 miles or less). Advertised as up to 66 months. APR as low as, with a loan-to-value of 80% or less and the automatic payment discount; rate adjustments apply for longer terms and higher LTV. Effective November 4, 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.
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 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.
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.
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.
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.
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.
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.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans. Published for a 60-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.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans. Advertised as 49-60 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.
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.
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.
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.
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. Auto loan purchase; advertised as up to 84 months.
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.
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.
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.
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).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.
Eligibility limitsEligibility limits: Eligibility limit: only open to NC state and public school employees, retirees and families. Other borrowers can’t get this rate.
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).
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.
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.
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.Min. loan $2,500Min. loan $2,500: The lender publishes this rate with a $2,500 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.
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).
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.Promo ratePromo rate: A promotional rate the lender may end at any time.
Eligibility limitsEligibility limits: Eligibility limit: only open to NC local government employees, retirees and families. Other borrowers can’t get this rate.
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.
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.
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).Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 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 $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).
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.
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).Checking accountChecking account: The published rate assumes a checking account with the lender.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.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.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.
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.
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.
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).
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.
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).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.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.
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.
