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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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.

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Showing 20 of 52 rates

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.

3.99%RefiTerm not listed

Service Credit Union

NationwideChecked Nov 10, 2026

What the lender published

External auto loan refinance rates starting at 3.99% APR. Term not specified on the rate table.

Checked Nov 10, 2026Source servicecu.org

Calculate payment at 3.99% from Service Credit UnionVisit lender ↗
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.

3.99%RefiUp to 36 months

First Community Credit Union (Houston)

TXChecked Nov 11, 2026

What the lender published

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.

Checked Nov 11, 2026Source fccu.org

Calculate payment at 3.99% from First Community Credit Union (Houston)Visit lender ↗
As low asStandard rate

4.19%Refi36 months

PenFed Credit Union

NationwideChecked Nov 10, 2026

What the lender published

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.

Checked Nov 10, 2026Source penfed.org

Calculate payment at 4.19% from PenFed Credit UnionVisit lender ↗
As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

4.24%RefiUp to 48 months

First Community Credit Union (Houston)

TXChecked Nov 11, 2026

What the lender published

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.

Checked Nov 11, 2026Source fccu.org

Calculate payment at 4.24% from First Community Credit Union (Houston)Visit lender ↗
As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

4.24%RefiUp to 84 months

Town & Country Federal Credit Union

MEChecked Nov 11, 2026

What the lender published

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.

Checked Nov 11, 2026Source tcfcu.com

Calculate payment at 4.24% from Town & Country Federal Credit UnionVisit lender ↗
As low asStandard rate

4.39%Refi48 months

PenFed Credit Union

NationwideChecked Nov 10, 2026

What the lender published

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.

Checked Nov 10, 2026Source penfed.org

Calculate payment at 4.39% from PenFed Credit UnionVisit lender ↗
As low asStandard rate

4.44%Refi60 months

PenFed Credit Union

NationwideChecked Nov 10, 2026

What the lender published

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.

Checked Nov 10, 2026Source penfed.org

Calculate payment at 4.44% from PenFed Credit UnionVisit lender ↗
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.

4.49%RefiUp to 60 months

Randolph-Brooks Federal Credit Union (RBFCU)

TXChecked Nov 11, 2026

What the lender published

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.

Checked Nov 11, 2026Source rbfcu.org

Calculate payment at 4.49% from Randolph-Brooks Federal Credit Union (RBFCU)Visit lender ↗
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.

4.49%Refi36 months

USAA

NationwideChecked Nov 11, 2026

What the lender published

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.

Checked Nov 11, 2026Source usaa.com

Calculate payment at 4.49% from USAAVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

4.74%Refi60 months

Sikorsky Credit Union

CTChecked Nov 11, 2026

What the lender published

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.

Checked Nov 11, 2026Source sikorskycu.org

Calculate payment at 4.74% from Sikorsky Credit UnionVisit lender ↗
As low asStandard rate

4.79%Refi72 months

PenFed Credit Union

NationwideChecked Nov 10, 2026

Minimum loan $15,000.

What the lender published

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.

Checked Nov 10, 2026Source penfed.org

Calculate payment at 4.79% from PenFed Credit UnionVisit lender ↗
As low asStandard rate

4.79%Refi36 months

PenFed Credit Union

NationwideChecked Nov 10, 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. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

Calculate payment at 4.79% from PenFed Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%Refi6–36 months

A+ Federal Credit Union

TXChecked Nov 11, 2026

What the lender published

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.

Checked Nov 11, 2026Source aplusfcu.org

Calculate payment at 5.24% from A+ Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%Refi37–66 months

A+ Federal Credit Union

TXChecked Nov 11, 2026

What the lender published

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.

Checked Nov 11, 2026Source aplusfcu.org

Calculate payment at 5.24% from A+ Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%Refi67–78 months

A+ Federal Credit Union

TXChecked Nov 11, 2026

What the lender published

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.

Checked Nov 11, 2026Source aplusfcu.org

Calculate payment at 5.24% from A+ Federal Credit UnionVisit lender ↗
Show all 52 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.