How we check
JustAutoRates is an independent rate comparison site, not a lender. It exists to cut through misleading “as low as” teaser rates by reading each lender’s own published page, recording the figure we could verify, and tagging extra conditions such as autopay or dealer-only offers. We currently track 82 lenders and check those pages weekly — a rate only appears here if we could read a number on the source.
Last updated
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 a monthly sponsor is active, is labeled and does not move rows.
Why some big lenders (Bank of America, USAA, LightStream) aren't on the board
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.
Their rate page ↗Bank of America
Official rate page requires a state selection and did not render numeric APRs in the fetched HTML.
Their rate page ↗USAA
Official auto loan page advertises 'as low as' APR but numeric rate values were not rendered in the fetched HTML.
Their rate page ↗Consumers Credit Union (Michigan)
Official lending-rates page did not display numeric auto APRs in the fetched HTML (tables not rendered).
Their rate page ↗NASA Federal Credit Union
Official auto loan rate pages returned HTTP 500 when fetched.
Their rate page ↗VyStar Credit Union
Official auto rate page is interactive (vehicle-type selector) and did not render numeric APRs in the fetched HTML.
Their rate page ↗Teachers Federal Credit Union
Official rates page required a ZIP code and did not display auto APRs in the fetched HTML.
Their rate page ↗Security Service Federal Credit Union
Official auto rate page requires a ZIP code and did not display rates without one.
Their rate page ↗Logix Federal Credit Union
Official vehicle-loans rate page did not render numeric APRs in the fetched HTML.
Their rate page ↗Ally 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.
Their rate page ↗
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