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.
25 rates from 24 lenders · New · 96m · 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 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 asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.
Published for a 96-month term. Auto model years 2025 or newer; $40,000 minimum. Under 30,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.
Model years 2023 and newer. Advertised as 85-96 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.
Relationship auto loan, published for a 96-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 96-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 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 96-month term. Rates include a 1.25% discount: 0.75% for payroll direct deposit and 0.50% for automatic payments. The 96-month term needs a loan over $40,000 on a 2022 or newer model.
Standard auto loan, published for a 96-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.
As low asEligibility limitsEligibility limits: Eligibility limit: only open to NC local government employees, retirees and families. Other borrowers can’t get this rate.
New and used autos, model year 2019 or newer (new units with at least $50,000 financed). Advertised as 85-96 months. APR range 7.24%-7.64%; based on credit. Minimum loan $5,000.
Cars, trucks, and vans, model year 2023 and newer. Published for a 96-month term. APR range 7.24%-12.74%; subject to credit approval. Rates effective November 10, 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 85-96 months. Minimum loan amount is $30,000 for terms of 84-96 months.
Published for a 96-month term. New autos only; minimum $35,000. 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.
New autos and the previous 3 model years with under 30,000 miles. Published for a 96-month term. APR as low as. Separate relationship discounts may lower the rate further. Effective November 1, 2026.
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 $12,000. Advertised as 85-96 months.
Rate table for 2023-2027 model-year vehicles; based on credit history. New vehicles only; minimum loan $30,000, credit score 670+, max LTV 100%. Advertised as 96 months.
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans. Advertised as 85-96 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.
Eligibility limitsEligibility limits: Eligibility limit: only open to NC state and public school employees, retirees 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.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.
Direct depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).
Eligibility limitsEligibility limits: Eligibility limit: only open to NC local government employees, retirees and families. Other borrowers can’t get this rate.
Every rate comes from the lender’s own website and is the lowest APR it advertises, so yours depends on your credit, vehicle, and term. Sponsored spots are labeled and never change the order.
Straight from the lender›
Every rate comes from the lender’s own website, and we show the date we last checked it.
“As low as” rates›
Rates labeled “As low as” represent the lender’s minimum advertised rate. They are not guaranteed offers of credit. Final APRs, loan terms, and approval depend on individual factors including credit score, vehicle age, loan amount, and underwriting approval.
Preserved loan terms›
If a lender publishes a term range (e.g., “37–60 months” or “up to 65 months”), we show that exact range rather than rounding it to a single 60-month figure. Payment figures are always labeled as estimates. When a lender doesn’t name a term, we say “Term not listed.”
Buying-service rates›
Some lenders publish lower rates that only apply when you buy through their car-buying program (for example, a TrueCar-powered service) from a participating dealer. These rates are tagged, and we aren’t affiliated with these programs or their dealers.
Credit union membership›
Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying. Rates limited to a specific group, such as military families or employees, carry a tag naming who is eligible and are kept out of the “Lowest for everyone” figure.
Sorting & sponsorships›
Rates are sorted from the lowest advertised APR up. Featured sponsor placements are clearly labeled as sponsored content and do not alter or inflate the natural sorting order of organic lender listings.
Disclaimer & independence›
JustAutoRates is an independent informational publisher, not a lender or credit broker. Lender names, logos, and trademarks belong to their respective owners. Rates are subject to change by lenders at any time without notice. We may receive compensation from partners or featured sponsors on this page.
We check each lender’s own rate page every week. Every rate shows the date we last checked it and links to the lender’s site, and a rate only appears here if the lender shows it there.
What do tags like “with autopay” mean?
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We show the lowest APR each lender publishes, even when it comes with a condition. The tag names that condition, such as an autopay discount or a dealer-only offer, so you can see what each rate requires. Rates with no condition say “Standard rate”.
What does “Show [your state] lenders only” do?
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Once you pick a state, the “Show [your state] lenders only” switch hides nationwide lenders and shows only the credit unions and banks whose published coverage includes your state.
Do I need to join a credit union to get its rate?
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Credit unions lend to their members, so you usually need to join before you borrow. Each lender’s site explains who can join. Rates limited to a specific group, such as military families or employees, carry a tag naming who is eligible, and they are kept out of the “Lowest for everyone” figure.
