JustAutoRates

Compare Current Auto Loan Rates & Local Lenders

Checked weeklyUpdated

Every rate gathered directly from official credit union and bank websites. Verified weekly.

Lowest rate open to everyone

3.39%APR, as low as

PenFed Credit Union

Requires PenFed’s car buying service.

Local credit unions and banks plus nationwide lenders that serve your state.

Credit unions average 5.13%, banks 6.52%.How these averages work: We took each lender’s lowest rate and averaged them: 152 credit unions, 10 banks.

Members-only low: 3.34% at American Airlines Federal Credit Union (airline industry members only).

Tracking 162 lenders, checked weekly.

Lowest rates this week

Top 4 of 1,004 rates

See all rates ↓
  • 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.

    3.39%New36 months

    PenFed Credit Union

    NationwideChecked Nov 11, 2026

    What the lender published

    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.

    Checked Nov 11, 2026Source penfed.org

    Calculate payment at 3.39% from PenFed Credit UnionVisit lender ↗
  • As low asStandard rate

    4.49%New36 months

    Andrews Federal Credit Union

    NationwideChecked Nov 10, 2026

    Minimum loan $5,000.

    What the lender published

    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.

    Checked Nov 10, 2026Source andrewsfcu.org

    Calculate payment at 4.49% from Andrews Federal Credit UnionVisit lender ↗
  • As low asAutopay + digitalAutopay + digital: The published rate assumes autopay and digital banking discounts.

    5.19%New24 months

    Connexus Credit Union

    NationwideChecked Nov 10, 2026

    What the lender published

    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.

    Checked Nov 10, 2026Source connexuscu.org

    Calculate payment at 5.19% from Connexus Credit UnionVisit lender ↗

The Weekly 10

The 5 lowest rates nationwide plus the 5 lowest from local lenders serving your state, every week. Unsubscribe anytime.

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105 rates from 83 lenders · Used · 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.

Clear all
Used72m

Showing 20 of 105 rates

As low asMembers onlyMembers only: Eligibility limit: only open to law enforcement and public safety. Other borrowers can’t get this rate.

4.59%and upUsed24–84 months

New Jersey Law & Public Safety Credit Union

NJChecked Nov 11, 2026

What the lender published

Advertised as 24-84 months; APR range 4.59%-16.89%. Term depends on vehicle age, up to 7 years old. Rate is determined by credit risk score; the lowest rate needs 30% down. An extra 0.25% discount is available with payroll deduction.

Checked Nov 11, 2026Source njlpscu.org

Calculate payment at 4.59% from New Jersey Law & Public Safety Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

4.99%Used67–78 months

Workers Credit Union

MA · NHChecked Nov 10, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. New through 2021 model years; 67 to 78 months.

Checked Nov 10, 2026Source wcu.com

Calculate payment at 4.99% from Workers Credit UnionVisit lender ↗
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.

5.04%Used72 months

PenFed Credit Union

NationwideChecked Nov 11, 2026

What the lender published

Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 11, 2026Source penfed.org

Calculate payment at 5.04% from PenFed Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

5.25%Used72 months

State Employees' Credit Union

NCChecked Nov 11, 2026

What the lender published

Published for a 72-month term. Used autos 0-5 years old; APR range 5.25% - 9.25%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 5.25% from State Employees' Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.29%and upUsed72 months

SchoolsFirst Federal Credit Union

CAChecked Nov 10, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Effective as of 11/10/2026. Range of rates. Lowest rate includes a 0.75% discount for automatic transfer from a SchoolsFirst FCU account.

Checked Nov 10, 2026Source schoolsfirstfcu.org

Calculate payment at 5.29% from SchoolsFirst Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.35%Used67–75 months

Allegacy Federal Credit Union

NCChecked Nov 11, 2026

What the lender published

Applies to 67-75 month terms. Used vehicle up to 7 years old and 100,000 miles. APR as low as with payroll deduction or automatic draft (non-payroll-deduction APR is 0.50 points higher).

Checked Nov 11, 2026Source allegacy.org

Calculate payment at 5.35% from Allegacy Federal Credit UnionVisit lender ↗
As low asStandard rate

5.39%Used72 months

PenFed Credit Union

NationwideChecked Nov 11, 2026

What the lender published

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.

Checked Nov 11, 2026Source penfed.org

Calculate payment at 5.39% from PenFed Credit UnionVisit lender ↗
As low asStandard rate

5.44%UsedUp to 78 months

San Diego County Credit Union (SDCCU)

CA · AZ · NVChecked Nov 11, 2026

Minimum loan $15,000.

What the lender published

Used auto model years 2022-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Minimum $15,000 loan for terms over 66 months. Advertised as up to 78 months.

Checked Nov 11, 2026Source sdccu.com

Calculate payment at 5.44% from San Diego County Credit Union (SDCCU)Visit lender ↗
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.

5.45%Used72 months

Georgia's Own Credit Union

GAChecked Nov 11, 2026

What the lender published

Published for a 72-month term. Auto model years 2022-2024; $15,000 minimum. Under 75,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 5.45% from Georgia's Own Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.49%UsedUp to 72 months

Workers Credit Union

MA · NHChecked Nov 10, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Model years 2020-2017; up to 72 months.

Checked Nov 10, 2026Source wcu.com

Calculate payment at 5.49% from Workers Credit UnionVisit lender ↗
Show all 105 rates

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.

Full methodology: how we check

Lowest Auto Loan Rates: November 2026

Our monthly roundup: lowest rates, credit unions vs banks, and state leaders. Free to cite.

Read the report →Data for writers

Browse rates by loan type

Frequently asked questions

How often are these auto loan rates checked?

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.