How we check
Rates are “as low as” figures from the lender’s own page. Your APR depends on credit, the vehicle, the amount, the term, and where you live. JustAutoRates is not a lender. This is not a loan offer or financial advice. Confirm the current rate on the source page before you apply.
What a row means
Each row is a figure from the lender’s own page, checked on the date shown. “As low as” is the lender’s phrase. It is not the rate you will be offered.
If the page published a bucket such as 37–60 months, or “up to 65 months”, the row says that. It is not rewritten as a single 60-month price. Payment examples stay labeled as examples. If the page did not assign a term, the row says “Term not listed” instead of inventing one.
The board sorts by the lowest published APR. A sponsor bar, when someone buys the week, is labeled and does not move rows.
Checked, with no number to rank
These lenders were looked up on the same pass. Their pages did not yield a numeric APR we could record, so they are not in the ranking.
LightStream (Truist)
Official rates/terms page is an interactive calculator; static HTML does not show numeric APRs. No rates were recorded.
www.lightstream.com/rates-loan-calculator/1000Bank of America
Official rate page requires a state selection and did not render numeric APRs in the fetched HTML.
www.bankofamerica.com/auto-loans/auto-loan-rates/USAA
Official auto loan page advertises 'as low as' APR but numeric rate values were not rendered in the fetched HTML.
www.usaa.com/banking/loans/auto/Consumers Credit Union (Michigan)
Official lending-rates page did not display numeric auto APRs in the fetched HTML (tables not rendered).
www.consumerscu.org/rates/lending-ratesNASA Federal Credit Union
Official auto loan rate pages returned HTTP 500 when fetched.
www.nasafcu.com/rates-and-fees/auto-loans/auto-loan-ratesFourLeaf Federal Credit Union (formerly Bethpage)
Official vehicle-loans page fetch timed out; no rates were recorded.
www.fourleaffcu.com/vehicle-auto-loans/VyStar Credit Union
Official auto rate page is interactive (vehicle-type selector) and did not render numeric APRs in the fetched HTML.
vystarcu.org/personal/rates/auto-and-vehicle-loan-ratesTeachers Federal Credit Union
Official rates page required a ZIP code and did not display auto APRs in the fetched HTML.
www.teachersfcu.org/ratesSecurity Service Federal Credit Union
Official auto rate page requires a ZIP code and did not display rates without one.
www.ssfcu.org/rates/auto-loan-ratesLogix Federal Credit Union
Official vehicle-loans rate page did not render numeric APRs in the fetched HTML.
www.logixbanking.com/rates/vehicle-loansAlly Bank
Official auto pages did not publish a current 'as low as' APR table in the fetched HTML (calculator / average-rate guidance only). No rates were recorded.
www.ally.com/auto/