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.
52 rates from 26 lenders · Refi · 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 asMilitary onlyMilitary only: Eligibility limit: only open to military. Other borrowers can’t get this rate.DoD or New EnglandDoD or New England: Lender condition: DoD or New England.
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
36-month special rate; same rate for new, used and refinance. Lowest rate includes up to 1.00% in combined discounts (credit life and disability insurance, extended service contract, existing FCCU auto loan, First Rewards Checking, FCCU Visa card). Advertised as up to 36 months.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
Rate valid up to 48 months; lowest rate includes up to 1.00% in combined discounts (insurance, service contract, existing auto loan, checking, Visa card). Advertised as up to 48 months.
Refinance rate as low as for 48 months; does not apply to existing TCFCU auto loans. Rate reflects a 0.25% relationship pricing discount. Terms up to 84 months, up to 120% financing.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
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 asAutopayAutopay: The published rate assumes automatic payments (autopay).Military & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.
The published figure may include an autopay, direct-deposit, or relationship discount.
Published for 36-month terms; applies to vehicle refinancing. Includes a 0.25% discount for optional automatic payments. Lowest APR as low as; checked 11/11/2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
The same table covers refinancing a loan from another lender (existing Sikorsky loans are not eligible); lowest APR shown is for model years 2022-2027 up to 60 months. Reflects a 0.25% autopay discount. Effective October 1, 2026.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term. PenFed does not permit internal refinances of an existing PenFed auto loan.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
Published for a 24-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Auto refinance, model years 2023 and newer. Fixed APR as low as; term not assigned to the rate (rates may change based on loan term and credit score). A processing fee applies and increases the APR.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto refinance loan, advertised as 6-36 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto refinance loan, advertised as 37-66 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto refinance loan, advertised as 67-78 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
Published for a 36-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
Published for a 48-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Promo ratePromo rate: A promotional rate the lender may end at any time.
Limited-time discount for refinancing a loan from another lender: 0.50% APR discount, rates as low as 5.39% APR after the discount. Offer ends Dec. 31, 2026. Standard refinance range is 5.89%-18.00% APR as of 11/1/2026. Lowest APR based on 60-month or less term, collateral two years old or newer, and up to 90% LTV. Disclosure 2 on becu.org/rates. Source pages: https://www.becu.org/rates and official consumer lending PDF https://www.becu.org/-/media/Files/PDF/P-463.pdf.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; advertised term range ending at 48 months.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.
Published for a 60-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; advertised term range ending at 66 months.
Refinances are for non-Achieve loans only, minimum refinance amount $10,000. Vehicles must be registered in Connecticut. Advertised as up to 48 months.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; advertised term range ending at 72 months.
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.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Page states the following rates apply to purchase, refinancing, and equity loan types. 5.69% APR disclosure applies to 24-48 month terms for 2023 and newer.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan refinance interest rates (non-SCCU auto loans only); advertised as up to 48 months.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount $20,000 for 73-84 month term. PenFed does not permit internal refinances of an existing PenFed auto loan.
Refinance, model years 2023 and newer. Term not assigned to the as-low-as APR (APRs based on a $20,000 loan with a $124 doc prep fee, amortized over 51 months; terms up to 84 months available). KEMBA Advantage member rate (Everyday rate is 0.50 points higher). Rates effective August 1, 2026.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto refinance loan, advertised as 79-84 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; 73 to 84 months.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 12-36 months. No 76-84 month refinance rate was listed.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 37-60 months. No 76-84 month refinance rate was listed.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 61-66 months. No 76-84 month refinance rate was listed.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 67-75 months. No 76-84 month refinance rate was listed.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan refinance interest rates (non-SCCU auto loans only); advertised as up to 66 months.
As low 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.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest rate for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month. Terms 48-84 months; rate determined by term and credit score.
As low asAutopay + eStatementsAutopay + eStatements: The published rate assumes autopay and eStatements discounts.LTV under 75%LTV under 75%: Loan-to-value (loan amount vs. vehicle value) must be under 75%.
Published for a 84-month term. APR as low as; the current minimum APR offered, adjusted for credit and term. Same table for new, used, and refinanced auto loans. Rebuilt-title vehicles add 1.00%. Rates effective November 11, 2026.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan refinance interest rates (non-SCCU auto loans only); advertised as up to 75 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; advertised rates include automatic payment (0.4% higher without autopay). Financing available in all 50 states. Rates 1% higher when refinancing an existing Alliant loan. Page shows 60-month terms only for autos. Vehicle refinance rate shown on auto product page as 6.59% APR as low as for 60 months.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan refinance interest rates (non-SCCU auto loans only); advertised as up to 84 months.
APR as low as, current as of 11/04/2026; based on vehicle year, underwriting and amount borrowed. A loan processing fee of 2% (min $30, max $85) applies and affects the APR. Advertised as 24-84 months.
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
The published figure may include an autopay, direct-deposit, or relationship discount.
Term not assigned to the as-low-as APR (LightStream loan terms range 24-240 months). Excellent credit required; rates without AutoPay are 0.50 points higher. LightStream is a division of Truist Bank.
Military onlyMilitary only: Eligibility limit: only open to military. Other borrowers can’t get this rate.DoD or New EnglandDoD or New England: Lender condition: DoD or New England.
Promo ratePromo rate: A promotional rate the lender may end at any time.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.
Promo ratePromo rate: A promotional rate the lender may end at any time.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
AutopayAutopay: The published rate assumes automatic payments (autopay).Military & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.
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.
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.
Autopay + eStatementsAutopay + eStatements: The published rate assumes autopay and eStatements discounts.LTV under 75%LTV under 75%: Loan-to-value (loan amount vs. vehicle value) must be under 75%.
AutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.
Credit union membership: Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying.
How Our Rate Board Works
Every rate comes from the lender’s own website and is the lowest APR it advertises, so yours depends on your credit, vehicle, and term. Sponsored spots are labeled and never change the order.
Straight from the lender›
Every rate comes from the lender’s own website, and we show the date we last checked it.
“As low as” rates›
Rates labeled “As low as” represent the lender’s minimum advertised rate. They are not guaranteed offers of credit. Final APRs, loan terms, and approval depend on individual factors including credit score, vehicle age, loan amount, and underwriting approval.
Preserved loan terms›
If a lender publishes a term range (e.g., “37–60 months” or “up to 65 months”), we show that exact range rather than rounding it to a single 60-month figure. Payment figures are always labeled as estimates. When a lender doesn’t name a term, we say “Term not listed.”
Buying-service rates›
Some lenders publish lower rates that only apply when you buy through their car-buying program (for example, a TrueCar-powered service) from a participating dealer. These rates are tagged, and we aren’t affiliated with these programs or their dealers.
Credit union membership›
Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying. Rates limited to a specific group, such as military families or employees, carry a tag naming who is eligible and are kept out of the “Lowest for everyone” figure.
Sorting & sponsorships›
Rates are sorted from the lowest advertised APR up. Featured sponsor placements are clearly labeled as sponsored content and do not alter or inflate the natural sorting order of organic lender listings.
Disclaimer & independence›
JustAutoRates is an independent informational publisher, not a lender or credit broker. Lender names, logos, and trademarks belong to their respective owners. Rates are subject to change by lenders at any time without notice. We may receive compensation from partners or featured sponsors on this page.
We check each lender’s own rate page every week. Every rate shows the date we last checked it and links to the lender’s site, and a rate only appears here if the lender shows it there.
What do tags like “with autopay” mean?
We show the lowest APR each lender publishes, even when it comes with a condition. The tag names that condition, such as an autopay discount or a dealer-only offer, so you can see what each rate requires. Rates with no condition say “Standard rate”.
What does “Show [your state] lenders only” do?
Once you pick a state, the “Show [your state] lenders only” switch hides nationwide lenders and shows only the credit unions and banks whose published coverage includes your state.
Do I need to join a credit union to get its rate?
Credit unions lend to their members, so you usually need to join before you borrow. Each lender’s site explains who can join. Rates limited to a specific group, such as military families or employees, carry a tag naming who is eligible, and they are kept out of the “Lowest for everyone” figure.
