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.
143 rates from 125 lenders · New · 72m · 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.
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 64-75 months.
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 asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
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 $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Autos and other titled vehicles. Published for a 72-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. The 72-month term needs at least $15,000.
New autos (current or previous model year with under 18,000 miles). Advertised as 61-72 months. APR as low as; best available rate based on approved credit, and a minimum credit score applies.
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 72-month term. APR as low as; includes a 0.25% relationship discount with an IMCU checking account and direct deposit. Effective November 1, 2026.
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 72-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 as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term.
As low 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.
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; excellent credit assumed. Rates as of Nov 11, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 61-72 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. New-2021; 67 to 78 months.
New cars and trucks. Published for a 72-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.
Auto loans, model year 2022 or newer. Advertised as 61-72 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.
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.
Cars, trucks, and vans 0-2 years old. Published for a 72-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.
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.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.
Published for a 72-month term. Auto model years 2025 or newer; $15,000 minimum. Under 75,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
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.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 67-75 months.
As low asEligibility limitsEligibility limits: Eligibility limit: only open to NC local government employees, retirees and families. Other borrowers can’t get this rate.
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.
Cars, trucks, and vans, model year 2023 and newer. Published for a 72-month term. APR range 5.24%-9.89%; subject to credit approval. Rates effective November 10, 2026.
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.
Published for a 6-year (72-month) term. APR as low as; your rate depends on credit and the term you choose. Titled new or used vehicles. Rates may change at any time.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
The published figure may include an autopay, direct-deposit, or relationship discount.
Car or light truck loan. Advertised as up to 78 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.
APR as low as. Advertised as 61-72 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. New auto is a current-year vehicle with no more than 6,000 miles.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 67 to 72 months.
As low 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.
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.
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
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.
Applies to 64-75 month terms. Auto loans for model year 2023 or newer (new or used). APR as low as; rates based on creditworthiness, loan amount, term and vehicle age. Terms of 64-75 months need at least $8,000 financed.
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 2023 and newer. Advertised as 61-72 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
New or used vehicles, model years 2021-2026. Advertised as 67-75 months. APR as low as; rates depend on credit history. Terms of 72 months or more need a loan over $20,000.
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 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 72-month term. Rates include a 1.25% discount: 0.75% for payroll direct deposit and 0.50% for automatic payments.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed up to $15,000 for this term. Advertised as 67-72 months.
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.
Published for a 72-month term. New/used auto and motorcycle, up to 3 model years old; minimum $15,000. APR as low as; subject to credit and collateral. Rates may change without notice. Used vehicles more than 10 years old may not qualify. $5 share deposit for membership.
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 72-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.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2025-2027. APR includes a 0.25% discount for autopay from an AEFCU checking account. Effective November 11, 2026. Advertised as 64-75 months.
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 61-83 month terms. New vehicle with Auto Pay from a DFCU account. Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. Advertised as 72 months.
Published for a 72-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
New or used auto. Published for a 72-month term. APR as low as; rates depend on credit. Does not include separate car-buying or insurance discounts. Effective October 1, 2026.
As low 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 64-75 months. APR as low as with automatic payments from an APGFCU account. Minimum loan $20,000. Effective November 11, 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.
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.
Auto purchase loan, advertised as 67-78 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2022 and newer (new or used). Published for a 72-month term. APR as low as; includes a 0.50% discount for automatic payments. Rates and terms depend on loan-to-value, mileage, credit score, and model year. Effective September 29, 2026.
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.
New autos and motorcycles. Advertised as 61-72 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $15,000. 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.
New or used vehicles. Advertised as 67-75 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto model years 2024 to 2026 (new or used). Advertised as 64-75 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.
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.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $10,000. Advertised as 72 months.
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.
Published for a 72-month term. New and used fixed-rate auto loan, model years 2026-2027. For well-qualified borrowers; includes a 0.25% discount with a qualifying checking account. Not for refinancing an existing Dollar Bank loan. Dollar Bank serves northeast Ohio, western Pennsylvania, Hampton Roads VA and Cumberland Narrows MD.
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.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as 64-72 months. 64-75-month terms available for a minimum amount financed of $10,000 on vehicles less than 90,000 miles.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.AutopayAutopay: The published rate assumes automatic payments (autopay).
The published figure may include an autopay, direct-deposit, or relationship discount.
Current and previous 3 calendar-year vehicles. Promotional relationship rate effective November 1-30, 2026; requires automatic payment on the new loan (add 0.25% without it). Up to 115% financing for qualified borrowers. Advertised as up to 84 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as 64-75 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
New or used auto. Advertised as 61-84 months. APR as low as; includes a 0.25% discount for automatic payments. Rates depend on credit. Current as of November 1, 2026.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
New model years 2026-2027. Advertised as 64-75 months. Special rate as low as for a limited time; minimum loan $10,000, financing up to 80% of value. Rates depend on credit. Rates current as of October 26, 2026.
New vehicle. Advertised as 61-75 months. APR range 5.99%-18.00%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Minimum loan $15,000. Rates effective October 1, 2026.
As low as rates for buyers with excellent credit characteristics, updated monthly (page heading: November). Displayed rates are based on the previous month's Capital One funded loan data for 60- and 72-month terms with participating dealers. Financing subject to eligibility.
As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
As low 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.
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.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $4,000. Advertised as 64-75 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
New autos, model year 2024 or newer. Advertised as 61-72 months; APR range 6.14%-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.
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 72-month term. Lowest APR assumes excellent credit and the top (Diamond) tier of the My Member Perks program. Rates effective November 1, 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.
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as 64-72 months.
As low asMembers onlyMembers only: Eligibility limit: only open to Rutgers community. Other borrowers can’t get this rate.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.
Published for a 72-month term. APR as low as; rates are based on credit score. Rates effective September 17, 2026. 72-month terms are for qualified borrowers with at least $10,000.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.
The published figure may include an autopay, direct-deposit, or relationship discount.
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.
Applies to 61-72 month terms. New Cars (model years 2025 or newer). Published with a $15,000 minimum loan amount. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; 67 to 75 months.
Effective 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.
New or used auto. Advertised as 64-75 months; APR range 6.49%-14.10%. The low end is the as-low-as rate; your rate depends on credit. Effective November 1, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans. Published for a 72-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.
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.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans. Advertised as 61-72 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.
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. 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.
Eligibility limitsEligibility limits: Eligibility limit: only open to NC state and public school employees, retirees and families. Other borrowers can’t get this rate.
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.
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 $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 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.
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.
AutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.
Eligibility limitsEligibility limits: Eligibility limit: only open to NC local government employees, retirees and families. Other borrowers can’t get this rate.
AutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.
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.
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.
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).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.
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.
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.
LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 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.
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.
Promo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.
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.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
Members onlyMembers only: Eligibility limit: only open to Rutgers community. Other borrowers can’t get this rate.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.
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.
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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.
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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.
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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.
