Published new-vehicle APRs from credit unions and banks, straight from each lender’s own site.
Lowest match
3.09%
Avg credit union
5.19%
Lenders tracked
82
539 rates from 82 lenders
Top 4 of 228 rates
3.09%NewTerm not listed
IL
The source does not assign this APR to a term.
Auto Buying Service rate, 2025 and newer models; APR as low as when buying through BCU's auto buying service. Term not listed.
Checked Nov 11, 2026Source bcu.org
3.39%New36 months
Nationwide
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 10, 2026Source penfed.org
3.99%NewUp to 36 months
TX
Published as Up to 36 months, not as a single monthly term.
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
3.99%NewUp to 63 months
IL
Published as Up to 63 months, not as a single monthly term.
APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source glcu.org
228 rates
8.99%New96 months
RI · CT
Minimum loan $40,000.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer. 8-year term.
Checked Nov 10, 2026Source westerlyccu.com
8.49%New84 months
RI · CT
Minimum loan $25,000.
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026Source westerlyccu.com
7.82%New96 months
NY
Minimum loan $30,000.
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.
Checked Nov 11, 2026Source jovia.org
7.79%New85–96 months
PA
Published as 85–96 months, not as its own 96-month price.
Minimum loan $12,000.
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.
Checked Nov 11, 2026Source psecu.com
7.74%New76–84 months
MA · NH
Published as 76–84 months, not as its own 84-month price.
Minimum loan $20,000.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. Eligible borrowers only; 76 to 84 months.
Checked Nov 10, 2026Source metrocu.org
7.74%New73–84 months
MO
Published as 73–84 months, not as its own 84-month price.
New/used auto APR as low as. Advertised as 73-84 months.
Checked Nov 11, 2026Source alltrucu.org
7.69%New85–96 months
Nationwide
Published as 85–96 months, not as its own 96-month price.
Minimum loan $30,000.
As low as; excellent credit assumed. Rates as of Nov 10, 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 / 85-96 months (page wording varies).
Checked Nov 10, 2026Source navyfederal.org
7.55%NewTerm not listed
CA · NY
The source does not assign this APR to a term.
The published figure may include an autopay, direct-deposit, or relationship discount.
APR as low as; includes a 0.25% discount for automatic payment from a Kinecta account (0.25% higher without it). Terms up to 84 months, but the rate table does not assign a term. Rates effective November 2, 2026.
Checked Nov 11, 2026Source kinecta.org
7.34%NewUp to 84 months
RI · MA
Published as Up to 84 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
7.24%New84 months
Nationwide
Minimum loan $20,000.
As low as; effective 11/03/2026. Actual APR based on credit history and final loan terms. Membership required. New auto loan, 2025 and newer models.
Checked Nov 10, 2026Source firsttechfed.com
7.19%New84 months
Nationwide
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
7.04%New84 months
PA
Minimum loan $35,000.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Minimum loan $35,000. Advertised as 84 months.
Checked Nov 11, 2026Source clearviewfcu.org
6.99%New72 months
RI · CT
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026Source westerlyccu.com
6.99%New76–84 months
VA
Published as 76–84 months, not as its own 84-month price.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 76-84 months.
Checked Nov 10, 2026Source langleyfcu.org
6.99%New76–84 months
MA · RI
Published as 76–84 months, not as its own 84-month price.
Minimum loan $25,000.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as 76-84 months. 76-84-month terms available for a minimum amount financed of $25,000 on vehicles less than 30,000 miles.
Checked Nov 10, 2026Source scucu.com
6.99%New73–84 months
MO
Published as 73–84 months, not as its own 84-month price.
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source stlouiscommunity.com
6.82%New84 months
NY
Minimum loan $25,000.
Rate table for 2023-2027 model-year vehicles; based on credit history. Minimum loan $25,000 for a 7-year term. Advertised as 84 months.
Checked Nov 11, 2026Source jovia.org
6.79%New76–84 months
PA
Published as 76–84 months, not as its own 84-month price.
Minimum loan $6,000.
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 $6,000. Advertised as 76-84 months.
Checked Nov 11, 2026Source psecu.com
6.74%New84 months
RI · MA · CT
Minimum loan $25,000.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026.
Checked Nov 10, 2026Source peoplescu.com
6.74%NewUp to 84 months
FL
Published as Up to 84 months, not as a single monthly term.
Minimum loan $20,000.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 84 months.
Checked Nov 10, 2026Source sccu.com
6.74%New76–84 months
PA
Published as 76–84 months, not as its own 84-month price.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as 76-84 months.
Checked Nov 11, 2026Source americanheritagecu.org
6.74%New84 months
MO
New car, model years 2024-2027; APR as low as, as of Nov 11, 2026. Advertised as 84 months.
Checked Nov 11, 2026Source westcommunitycu.org
6.69%New76–84 months
PA
Published as 76–84 months, not as its own 84-month price.
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as 76-84 months.
Checked Nov 11, 2026Source trumark.com
6.62%New72 months
NY
Minimum loan $15,000.
Rate table for 2023-2027 model-year vehicles; based on credit history. Minimum loan $15,000 for a 6-year term. Advertised as 72 months.
Checked Nov 11, 2026Source jovia.org
6.49%New67–75 months
MA · NH
Published as 67–75 months, not as its own 75-month price.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; 67 to 75 months.
Checked Nov 10, 2026Source metrocu.org
6.49%New84 months
RI · MA
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
Checked Nov 10, 2026Source wavefcu.org
6.49%New84 months
MA · NH
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. The table values were recorded, and this FAQ wording conflict is noted. Model years 2026-2022.
Checked Nov 10, 2026Source jdcu.org
6.49%NewUp to 75 months
FL
Published as Up to 75 months, not as a single monthly term.
Minimum loan $12,000.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 75 months.
Checked Nov 10, 2026Source sccu.com
6.49%New73–75 months
MA · RI
Published as 73–75 months, not as its own 75-month price.
Minimum loan $10,000.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as 73-75 months. 64-75-month terms available for a minimum amount financed of $10,000 on vehicles less than 90,000 miles.
Checked Nov 10, 2026Source scucu.com
6.49%New84 months
TX
APR as low as; model year 2023-2027; purchases only.
Checked Nov 11, 2026Source eecu.org
6.49%New73–84 months
IL
Published as 73–84 months, not as its own 84-month price.
The published figure may include an autopay, direct-deposit, or relationship discount.
Without Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source myconsumers.org
6.49%NewUp to 84 months
MO
Published as Up to 84 months, not as a single monthly term.
Minimum loan $25,000.
Best rates; may be higher based on underwriting. Minimum loan $15,000 for 75 months and $25,000 for 84 months. Advertised as up to 84 months.
Checked Nov 11, 2026Source togethercu.org
6.44%New75 months
PA
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 75 months.
Checked Nov 11, 2026Source clearviewfcu.org
6.34%New60 months
Nationwide
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; advertised rates include automatic payment (0.4% higher without autopay). Financing available in all 50 states. Rates 1% higher when refinancing an existing Alliant loan. Page shows 60-month terms only for autos. Standard new vehicle rate (not Tesla).
Checked Nov 10, 2026Source alliantcreditunion.org
6.34%New72 months
Nationwide
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
6.34%NewUp to 75 months
RI · MA
Published as Up to 75 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
6.34%New84 months
PA
Minimum loan $15,000.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $15,000; 84 months for new vehicles (preowned up to 6 years). Advertised as 84 months.
Checked Nov 11, 2026Source pffcu.org
6.29%New73–84 months
Nationwide
Published as 73–84 months, not as its own 84-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 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 73-84 months.
Checked Nov 10, 2026Source navyfederal.org
6.28%NewUp to 60 months
NY
Published as Up to 60 months, not as a single monthly term.
Rate table for 2023-2027 model-year vehicles; based on credit history. Same APR for 12-60 months. Advertised as up to 60 months.
Checked Nov 11, 2026Source jovia.org
6.24%New84 months
Nationwide
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; model-year buckets below were recorded as new (2023 & newer) or used (older years). Refinance is offered but not given a separate rate table. Model year 2023 and newer.
Checked Nov 10, 2026Source wingscu.com
6.24%NewUp to 66 months
MA · NH
Published as Up to 66 months, not as a single monthly term.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; up to 66 months. Also recorded as used for the same bucket.
Checked Nov 10, 2026Source metrocu.org
6.24%New72 months
ID
Interest rate as low as. New vs used was not broken out on the auto rate table, so the same published starting rates are listed for both new and used.
Checked Nov 10, 2026Source iccu.com
6.24%New79–84 months
CA
Published as 79–84 months, not as its own 84-month price.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 79-84 months.
Checked Nov 11, 2026Source missionfed.com
6.24%New78 months
TX
APR as low as; model year 2023-2027; purchases only.
Checked Nov 11, 2026Source eecu.org
6.20%and upNew73–84 months
MO
Published as 73–84 months, not as its own 84-month price.
2025-2027 new vehicles. APR range 6.20%-14.98%. Max LTV 140%. Rates effective July 16, 2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source mocentral.org
6.19%and upNewTerm not listed
OR
The source does not assign this APR to a term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Consumer Accounts Loan Rates and Fee Schedule effective November 5, 2026. Vehicle loan purchase or refinance fixed APR 6.19%-29.98%. Lowest APR on vehicles less than 75% LTV. Term not listed. Approved APR is 0.25% higher without autopay from an OCCU checking account or ACH, and 0.25% higher without eStatements. New vs used not split; same starting APR recorded for new, used, and refinance.
Checked Nov 10, 2026Source myoccu.org
6.19%NewUp to 84 months
CA · AZ · NV
Published as Up to 84 months, not as a single monthly term.
Minimum loan $25,000.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Minimum $25,000 loan for terms over 78 months. Advertised as up to 84 months.
Checked Nov 11, 2026Source sdccu.com
6.19%New64–72 months
MO
Published as 64–72 months, not as its own 72-month price.
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as 64-72 months.
Checked Nov 11, 2026Source stlouiscommunity.com
6.17%New84 months
Nationwide
Minimum loan $20,000.
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
6.14%New60 months
Nationwide
As low as rates for buyers with excellent credit characteristics, updated monthly (page heading: November). Displayed rates are based on the previous month's Capital One funded loan data for 60- and 72-month terms with participating dealers. Financing subject to eligibility.
Checked Nov 10, 2026Source capitalone.com
6.14%New64–75 months
PA
Published as 64–75 months, not as its own 75-month price.
Minimum loan $4,000.
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 $4,000. Advertised as 64-75 months.
Checked Nov 11, 2026Source psecu.com
6.12%and upNew84 months
AL · AR · DC · FL · GA · IN · KY · MD · MS · NJ · NC · OH · PA · SC · TN · TX · VA · WV
Minimum loan $3,500.
Official new-car loan page: fixed rates from 6.12% to 12.11% APR. Terms up to 84 months. Excellent credit required for lowest rates. Loan amounts $3,500 to $400,000. Available in branches in AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. No term-specific rate table was published; term is recorded as the stated maximum (84 months) and the 6.12% figure is the published low end of the range, not a confirmed 84-month rate. A comparison example uses 6.44% APR for 84 months on $25,000, which was not recorded as a separate product rate. 30-day rate lock after approval.
Checked Nov 10, 2026Source truist.com
6.10%New48 months
TX
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest rate for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month. Terms 48-84 months; rate determined by term and credit score.
Checked Nov 11, 2026Source tdecu.org
6.09%New60-month payment example
RI · MA · CT
The source illustrates this APR with a payment example, not a full term table.
As low as; for applicants with a credit score of 730 or higher. New autos 2025-2026 and used autos 2014-2025 with mileage less than 100,000. Advertised APR is the lowest available. Existing Coastal1 auto loans are not eligible for this promotion. Page does not list a full term table; repayment examples are 60 monthly payments at the advertised APR. Product: 2025-2026 new autos.
Checked Nov 10, 2026Source coastal1.org
6.09%New75 months
PA
Minimum loan $12,500.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $12,500. Advertised as 75 months.
Checked Nov 11, 2026Source pffcu.org
6.04%New60 months
Nationwide
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
6.04%New64–75 months
PA
Published as 64–75 months, not as its own 75-month price.
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as 64-75 months.
Checked Nov 11, 2026Source trumark.com
6.02%New72 months
Nationwide
Minimum loan $15,000.
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
6.00%New72 months
Nationwide
As low as rates for buyers with excellent credit characteristics, updated monthly (page heading: November). Displayed rates are based on the previous month's Capital One funded loan data for 60- and 72-month terms with participating dealers. Financing subject to eligibility.
Checked Nov 10, 2026Source capitalone.com
6.00%New79–84 months
TX
Published as 79–84 months, not as its own 84-month price.
Minimum loan $30,000.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed $30,000 and above for this term. Advertised as 79-84 months.
Checked Nov 11, 2026Source gecu.com
5.99%New60 months
Nationwide
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; advertised rates include automatic payment (0.4% higher without autopay). Financing available in all 50 states. Rates 1% higher when refinancing an existing Alliant loan. Page shows 60-month terms only for autos. Tesla new vehicle rate. Disclosure also cites a 6.24% APR 84-month Tesla example, which was not used as a separate published term rate.
Checked Nov 10, 2026Source alliantcreditunion.org
5.99%NewUp to 66 months
RI · MA
Published as Up to 66 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 66 months.
Checked Nov 10, 2026Source navigantcu.org
5.99%New60 months
RI · CT
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026Source westerlyccu.com
5.99%New66 months
Nationwide
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; model-year buckets below were recorded as new (2023 & newer) or used (older years). Refinance is offered but not given a separate rate table. Model year 2023 and newer.
Checked Nov 10, 2026Source wingscu.com
5.99%New72 months
Nationwide
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; model-year buckets below were recorded as new (2023 & newer) or used (older years). Refinance is offered but not given a separate rate table. Model year 2023 and newer.
Checked Nov 10, 2026Source wingscu.com
5.99%New12–36 months
VA
Published as 12–36 months, not as its own 36-month price.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 12-36 months.
Checked Nov 10, 2026Source langleyfcu.org
5.99%New37–60 months
VA
Published as 37–60 months, not as its own 60-month price.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 37-60 months.
Checked Nov 10, 2026Source langleyfcu.org
5.99%New61–66 months
VA
Published as 61–66 months, not as its own 66-month price.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 61-66 months.
Checked Nov 10, 2026Source langleyfcu.org
5.99%New67–75 months
VA
Published as 67–75 months, not as its own 75-month price.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 67-75 months.
Checked Nov 10, 2026Source langleyfcu.org
5.99%New84 months
MN
Minimum loan $25,000.
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
Checked Nov 10, 2026Source affinityplus.org
5.99%New36 months
MA · NH
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. The table values were recorded, and this FAQ wording conflict is noted. Model years 2026-2022.
Checked Nov 10, 2026Source jdcu.org
5.99%New48 months
MA · NH
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. The table values were recorded, and this FAQ wording conflict is noted. Model years 2026-2022.
Checked Nov 10, 2026Source jdcu.org
5.99%New65 months
MA · NH
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. The table values were recorded, and this FAQ wording conflict is noted. Model years 2026-2022.
Checked Nov 10, 2026Source jdcu.org
5.99%New75 months
MA · NH
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. The table values were recorded, and this FAQ wording conflict is noted. Model years 2026-2022.
Checked Nov 10, 2026Source jdcu.org
5.99%NewUp to 66 months
FL
Published as Up to 66 months, not as a single monthly term.
Minimum loan $10,000.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 66 months.
Checked Nov 10, 2026Source sccu.com
5.99%New64–72 months
MA · RI
Published as 64–72 months, not as its own 72-month price.
Minimum loan $10,000.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as 64-72 months. 64-75-month terms available for a minimum amount financed of $10,000 on vehicles less than 90,000 miles.
Checked Nov 10, 2026Source scucu.com
5.99%NewUp to 84 months
NY
Published as Up to 84 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Current and previous 3 calendar-year vehicles. Promotional relationship rate effective November 1-30, 2026; requires automatic payment on the new loan (add 0.25% without it). Up to 115% financing for qualified borrowers. Advertised as up to 84 months.
Checked Nov 11, 2026Source visionsfcu.org
5.99%New64–75 months
PA
Published as 64–75 months, not as its own 75-month price.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as 64-75 months.
Checked Nov 11, 2026Source americanheritagecu.org
5.99%New63 months
PA
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 63 months.
Checked Nov 11, 2026Source clearviewfcu.org
5.99%New73–84 months
PA
Published as 73–84 months, not as its own 84-month price.
2024 and newer models. APR as low as. Rates effective 10/16/2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source uecu.org
5.99%New72 months
MO
New/used auto APR as low as. Advertised as 72 months.
Checked Nov 11, 2026Source alltrucu.org
5.94%New60 months
ID
Interest rate as low as. New vs used was not broken out on the auto rate table, so the same published starting rates are listed for both new and used.
Checked Nov 10, 2026Source iccu.com
5.94%New36 months
TX
APR as low as; model year 2023-2027; purchases only.
Checked Nov 11, 2026Source eecu.org
5.94%New48 months
TX
APR as low as; model year 2023-2027; purchases only.
Checked Nov 11, 2026Source eecu.org
5.94%New66 months
TX
APR as low as; model year 2023-2027; purchases only.
Checked Nov 11, 2026Source eecu.org
5.94%New75 months
TX
APR as low as; model year 2023-2027; purchases only.
Checked Nov 11, 2026Source eecu.org
5.89%and upNew60-month payment example
WA · OR
The source illustrates this APR with a payment example, not a full term table.
As low as 5.89% APR for new auto loans, 2024 and newer; APR range 5.89%-18%. APR effective 11/1/2026. Payment example on the official PDF is a 5-year, $20,000 loan at 5.89% APR. Disclosures state the lowest APR assumes a 60-month or less term, LTV of 90% or less, and strong credit. Source pages: https://www.becu.org/rates and official consumer lending PDF https://www.becu.org/-/media/Files/PDF/P-463.pdf.
Checked Nov 10, 2026Source becu.org
5.89%NewUp to 72 months
FL
Published as Up to 72 months, not as a single monthly term. The source also includes a payment example.
Rates effective as of November 1, 2026. As low as APR. Rates based on credit score. Rates differ for first-time buyers or if a co-signer is required. Other rates and terms available for vehicles not listed. Payment example: a 72-month loan of $30,000 with an interest rate of 5.74% and APR of 5.89% would have monthly payments of $493.50. 2025 and newer autos; term up to 72 months.
Checked Nov 10, 2026Source midflorida.com
5.89%NewTerm not listed
PA
The source does not assign this APR to a term.
New auto APR as low as for model year 2026 and newer; flexible terms available (no term tied to the rate). Subject to credit approval. Rates accurate as of 11/11/2026.
Checked Nov 11, 2026Source citadelbanking.com
5.89%NewUp to 63 months
MO
Published as Up to 63 months, not as a single monthly term.
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source stlouiscommunity.com
5.84%New60 months
Nationwide
The published figure may include an autopay, direct-deposit, or relationship discount.
Alliant Car Buying Service discounted new rate (0.50% off standard advertised rate); includes autopay and TrueCar certified dealer purchase. Rate applies to new, untitled vehicles with a term of up to 60 months. Source also: https://www.alliantcreditunion.org/borrow/alliant-car-buying-service
Checked Nov 10, 2026Source alliantcreditunion.org
5.84%New48 months
Nationwide
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
5.84%New72 months
PA
Minimum loan $10,000.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $10,000. Advertised as 72 months.
Checked Nov 11, 2026Source pffcu.org
5.79%NewUp to 63 months
PA
Published as Up to 63 months, not as a single monthly term.
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source trumark.com
5.74%New36 months
Nationwide
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
5.74%New72 months
Nationwide
Minimum loan $5,000.
As low as; effective 11/03/2026. Actual APR based on credit history and final loan terms. Membership required. New auto loan, 2025 and newer models.
Checked Nov 10, 2026Source firsttechfed.com
5.74%New75 months
RI
The published figure may include an autopay, direct-deposit, or relationship discount.
Minimum loan $1,000.
Effective 11/02/2026. Advertised rate includes 0.25% reduction for autopay from a Greenwood checking account and is the lowest available. Interest rate determined by creditworthiness. 2024-NEW.
Checked Nov 10, 2026Source greenwoodcu.org
5.74%New75 months
RI · MA · CT
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026 (same published rate for new and recent used in this bucket).
Checked Nov 10, 2026Source peoplescu.com
5.74%and upNew84 months
CA
The published figure may include an autopay, direct-deposit, or relationship discount.
Minimum loan $25,000.
Effective as of 11/10/2026. Range of rates. Lowest rate includes a 0.75% discount for automatic transfer from a SchoolsFirst FCU account. 84-month term requires loan amount of $25,000 or greater and vehicle not more than 5 model years old (for calendar year 2026: 2026, 2025, 2024, 2023, or 2022).
Checked Nov 10, 2026Source schoolsfirstfcu.org
5.74%and upNew73–84 months
CA
Published as 73–84 months, not as its own 84-month price.
Minimum loan $15,000.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 73 to 84 months.
Checked Nov 10, 2026Source patelco.org
5.74%New48 months
Nationwide
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; model-year buckets below were recorded as new (2023 & newer) or used (older years). Refinance is offered but not given a separate rate table. Model year 2023 and newer.
Checked Nov 10, 2026Source wingscu.com
5.74%NewTerm not listed
CO
The source does not assign this APR to a term.
Rates accurate as of November 10, 2026. Auto 5.74% APR for well-qualified borrowers. Stated APR only applies to auto loans originated in Colorado. Final APR may vary by credit, term, LTV, and age of auto. Term and new vs used were not listed, so the same starting APR is recorded for new and used.
Checked Nov 10, 2026Source bellco.org
5.74%NewTerm not listed
MI · FL
The source does not assign this APR to a term.
Official new-and-used auto loans page advertises 5.74% APR but does not specify a term or separate new vs used figures. The same headline APR is recorded for new and used. Term was not invented.
Checked Nov 10, 2026Source lmcu.org
5.74%NewUp to 48 months
FL
Published as Up to 48 months, not as a single monthly term.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 48 months.
Checked Nov 10, 2026Source sccu.com
5.74%New84 months
Nationwide
Minimum loan $20,000.
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 $20,000 for 73-84 month term.
Checked Nov 10, 2026Source penfed.org
5.74%New84 months
Nationwide
Minimum loan $20,000.
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 $20,000 for 73-84 month 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 10, 2026Source penfed.org
5.74%NewUp to 84 months
FL
Published as Up to 84 months, not as a single monthly term.
Minimum loan $20,000.
Vehicles up to 10 years old, $20,000 minimum. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 84 months.
Checked Nov 11, 2026Source eglinfcu.org
5.74%NewUp to 63 months
PA
Published as Up to 63 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source americanheritagecu.org
5.74%New48 months
PA
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 48 months.
Checked Nov 11, 2026Source clearviewfcu.org
5.74%New72 months
MO
New car, model years 2024-2027; APR as low as, as of Nov 11, 2026. Advertised as 72 months.
Checked Nov 11, 2026Source westcommunitycu.org
5.74%NewTerm not listed
MO
The source does not assign this APR to a term.
2022-2026 model years. APR as low as; based on creditworthiness, payment method, term, ability to repay and amount. Rates effective 11/11/2026; term not listed.
Checked Nov 11, 2026Source communityamerica.com
5.70%and upNew61–72 months
MO
Published as 61–72 months, not as its own 72-month price.
2025-2027 new vehicles. APR range 5.70%-14.89%. Max LTV 140%. Rates effective July 16, 2026. Advertised as 61-72 months.
Checked Nov 11, 2026Source mocentral.org
5.69%New48 months
ID
Interest rate as low as. New vs used was not broken out on the auto rate table, so the same published starting rates are listed for both new and used.
Checked Nov 10, 2026Source iccu.com
5.69%and upNew48 months
Nationwide
The published figure may include an autopay, direct-deposit, or relationship discount.
Minimum loan $7,500.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model year 2023 and newer; table shows term 24-84 months and rate 5.69-14.29%. A disclosure states 5.69% APR is for a 24-48 month term with minimum 780 FICO and includes a 0.40% autopay discount from a Credit Human checking account. 79-84 month terms require minimum 680 FICO and $25,000 financed. Recorded term is the top of the 24-48 month bucket that the 5.69% disclosure applies to.
Checked Nov 10, 2026Source credithuman.com
5.69%and upNew1–63 months
PA
Published as 1–63 months, not as its own 63-month price.
Minimum loan $1,000.
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 $1,000. Advertised as 1-63 months.
Checked Nov 11, 2026Source psecu.com
5.68%New60 months
NY
APR as low as; assumes excellent credit, a 60-month term and loan-to-value of 90% or less. Loan amounts $3,750-$100,000. Rates accurate as of 11/11/2026. Advertised as 60 months.
Checked Nov 11, 2026Source fourleaffcu.com
5.64%New72 months
FL
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. Advertised as 72 months.
Checked Nov 11, 2026Source fairwinds.org
5.64%NewTerm not listed
NY
The source does not assign this APR to a term.
Fixed APR for new and used vehicles model year 2024 and newer; term not listed with the rate.
Checked Nov 11, 2026Source hvcu.org
5.59%New63 months
PA
Minimum loan $7,500.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $7,500. Advertised as 63 months.
Checked Nov 11, 2026Source pffcu.org
5.55%New67–84 months
FL
Published as 67–84 months, not as its own 84-month price.
APR as low as, current as of 11/04/2026; based on vehicle year, underwriting and amount borrowed. A loan processing fee of 2% (min $30, max $85) applies and affects the APR. Advertised as 67-84 months.
Checked Nov 11, 2026Source additionfi.com
5.50%New67–72 months
TX
Published as 67–72 months, not as its own 72-month price.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed up to $15,000 for this term. Advertised as 67-72 months.
Checked Nov 11, 2026Source gecu.com
5.49%New84 months
RI
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. New auto, model years 2025-2026; maximum term 84 months.
Checked Nov 10, 2026Source ricreditunion.org
5.49%New36 months
RI · CT
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026Source westerlyccu.com
5.49%New48 months
RI · CT
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026Source westerlyccu.com
5.49%New63 months
RI · MA · CT
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026 (same published rate for new and recent used in this bucket).
Checked Nov 10, 2026Source peoplescu.com
5.49%New66 months
RI · MA · CT
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026 (same published rate for new and recent used in this bucket).
Checked Nov 10, 2026Source peoplescu.com
5.49%and upNew60 months
UT · AZ, NV, and NM have separate rate sheets
Utah/other states PDF effective November 1, 2026. '60-MONTH DECLINING RATE AUTO' fixed APR 5.49%-18.00%. New vs used not specified; recorded under new because a separate vehicle starting rate already covers the general product. Do not confuse with the standard VEHICLE 5.24% starting rate.
Checked Nov 10, 2026Source americafirst.com
5.49%New36 months
Nationwide
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; model-year buckets below were recorded as new (2023 & newer) or used (older years). Refinance is offered but not given a separate rate table. Model year 2023 and newer.
Checked Nov 10, 2026Source wingscu.com
5.49%New72 months
RI · MA
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
Checked Nov 10, 2026Source wavefcu.org
5.49%New72 months
MN
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
Checked Nov 10, 2026Source affinityplus.org
5.49%New79–84 months
MA · NH
Published as 79–84 months, not as its own 84-month price.
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-2021; 79 to 84 months.
Checked Nov 10, 2026Source wcu.com
5.49%NewUp to 63 months
MA · RI
Published as Up to 63 months, not as a single monthly term.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as up to 63 months.
Checked Nov 10, 2026Source scucu.com
5.49%and upNewTerm not listed
FL
The source does not assign this APR to a term.
Fixed APR range 5.49%-18.0% for new cars, trucks and vans; based on credit history, collateral, term and loan to value. Effective 11/11/2026; term varies.
Checked Nov 11, 2026Source growfinancial.org
5.49%NewUp to 74 months
FL
Published as Up to 74 months, not as a single monthly term.
Vehicles up to 10 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 74 months.
Checked Nov 11, 2026Source eglinfcu.org
5.49%NewTerm not listed
NY
The source does not assign this APR to a term.
New auto/motorcycle APR as low as; based on credit history. Term not listed with the rate.
Checked Nov 11, 2026Source empowerfcu.com
5.49%New36 months
PA
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 36 months.
Checked Nov 11, 2026Source clearviewfcu.org
5.49%New61–72 months
PA
Published as 61–72 months, not as its own 72-month price.
2022 and newer models (new or used). APR as low as. Rates effective 10/16/2026. Advertised as 61-72 months.
Checked Nov 11, 2026Source uecu.org
5.49%New61–72 months
IL
Published as 61–72 months, not as its own 72-month price.
The published figure may include an autopay, direct-deposit, or relationship discount.
Without Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 61-72 months.
Checked Nov 11, 2026Source myconsumers.org
5.49%NewUp to 75 months
MO
Published as Up to 75 months, not as a single monthly term.
Minimum loan $15,000.
Best rates; may be higher based on underwriting. Minimum loan $15,000 for 75 months and $25,000 for 84 months. Advertised as up to 75 months.
Checked Nov 11, 2026Source togethercu.org
5.49%New60 months
MO
New car, model years 2024-2027; APR as low as, as of Nov 11, 2026. Advertised as 60 months.
Checked Nov 11, 2026Source westcommunitycu.org
5.44%and upNew67–72 months
CA
Published as 67–72 months, not as its own 72-month price.
Minimum loan $10,000.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 67 to 72 months.
Checked Nov 10, 2026Source patelco.org
5.44%New60 months
FL
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. Advertised as 60 months.
Checked Nov 11, 2026Source fairwinds.org
5.39%New48 months
MO
New car, model years 2024-2027; APR as low as, as of Nov 11, 2026. Advertised as 48 months.
Checked Nov 11, 2026Source westcommunitycu.org
5.34%New76–84 months
IL
Published as 76–84 months, not as its own 84-month price.
APR as low as, 2025 and newer models; 76-84 months for 2025 and newer only. Advertised as 76-84 months.
Checked Nov 11, 2026Source bcu.org
5.31%NewUp to 60 months
FL
Published as Up to 60 months, not as a single monthly term.
APR as low as for 2026-2027 model years (rate is set by model year, not new/used status). Additional rates and terms available. Advertised as up to 60 months.
Checked Nov 11, 2026Source campuscu.com
5.30%New49–60 months
TX
Published as 49–60 months, not as its own 60-month price.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Advertised as 49-60 months.
Checked Nov 11, 2026Source gecu.com
5.29%and upNew49–66 months
CA
Published as 49–66 months, not as its own 66-month price.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 49 to 66 months.
Checked Nov 10, 2026Source patelco.org
5.24%New65 months
Nationwide
Minimum loan $1,000.
As low as; effective 11/03/2026. Actual APR based on credit history and final loan terms. Membership required. New auto loan, 2025 and newer models.
Checked Nov 10, 2026Source firsttechfed.com
5.24%New63 months
RI
The published figure may include an autopay, direct-deposit, or relationship discount.
Minimum loan $1,000.
Effective 11/02/2026. Advertised rate includes 0.25% reduction for autopay from a Greenwood checking account and is the lowest available. Interest rate determined by creditworthiness. 2024-NEW.
Checked Nov 10, 2026Source greenwoodcu.org
5.24%and upNewTerm not listed
UT · AZ, NV, and NM have separate rate sheets
The source does not assign this APR to a term.
Utah/other states loan-rates PDF effective November 1, 2026 (excludes AZ, NV, and NM, which have separate sheets). 'VEHICLE' fixed APR 5.24%-18.00%. Term and new vs used were not broken out on this sheet, so the same starting APR is listed once for new and once for used. APRs based on approved credit and may be higher.
Checked Nov 10, 2026Source americafirst.com
5.24%New60 months
MN
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
Checked Nov 10, 2026Source affinityplus.org
5.24%New67–75 months
CA
Published as 67–75 months, not as its own 75-month price.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 67-75 months.
Checked Nov 11, 2026Source missionfed.com
5.24%New76–78 months
CA
Published as 76–78 months, not as its own 78-month price.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 76-78 months.
Checked Nov 11, 2026Source missionfed.com
5.24%and upNewUp to 84 months
TX
Published as Up to 84 months, not as a single monthly term.
APR range 5.24%-18.00% for 0-84 month terms, as of 11/01/2026; based on credit history, collateral and loan to value. Advertised as up to 84 months.
Checked Nov 11, 2026Source rallycu.com
5.24%New60 months
NY
Model years 2023 and newer. Lowest available APR; actual rate based on overall creditworthiness. Rates accurate as of 11/11/2026. Advertised as 60 months.
Checked Nov 11, 2026Source broadviewfcu.com
5.24%New48 months
MO
New/used auto APR as low as. Advertised as 48 months.
Checked Nov 11, 2026Source alltrucu.org
5.24%New60 months
MO
New/used auto APR as low as. Advertised as 60 months.
Checked Nov 11, 2026Source alltrucu.org
5.20%and upNew1–60 months
MO
Published as 1–60 months, not as its own 60-month price.
2025-2027 new vehicles (under 15,000 miles); APR range 5.20%-14.89% for 49-60 months (5.20%-13.89% up to 48). Max LTV 140%. Rates effective July 16, 2026. Advertised as 1-60 months.
Checked Nov 11, 2026Source mocentral.org
5.19%New24 months
Nationwide
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
5.19%and upNewUp to 48 months
CA
Published as Up to 48 months, not as a single monthly term.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 0 to 48 months.
Checked Nov 10, 2026Source patelco.org
5.19%New60 months
Nationwide
Minimum loan $5,000.
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
5.19%NewUp to 78 months
CA · AZ · NV
Published as Up to 78 months, not as a single monthly term.
Minimum loan $15,000.
New auto model years 2025-2027. 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
5.15%NewTerm not listed
FL
The source does not assign this APR to a term.
New and used auto APR as low as; based on loan term, credit and collateral. The page's payment example uses a 36-month term, but the rate is not tied to a specific term. Commercial-use vehicles not eligible.
Checked Nov 11, 2026Source achievacu.com
5.14%New49–66 months
TX
Published as 49–66 months, not as its own 66-month price.
Excellent credit tier rate (published tiers run to 17.20% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as 49-66 months.
Checked Nov 11, 2026Source ufcu.org
5.09%and upNew72 months
CA
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
5.09%New60-month payment example
FL
The source illustrates this APR with a payment example, not a full term table.
New vehicles defined as 2025 to current model year. Payment example: 60 payments of $18.96 per $1,000 borrowed based upon a 5.09% APR. Other rates and terms up to 84 months are available but were not listed. Rates vary based on term. Auto refinance is advertised as low as 5.09% APR on the same page without a separate term table.
Checked Nov 10, 2026Source suncoast.com
5.09%New48 months
Nationwide
Minimum loan $5,000.
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
5.09%and upNewUp to 84 months
CA
Published as Up to 84 months, not as a single monthly term.
Fixed APR range 5.09%-9.09% based on credit qualification; same rate for 3- to 7-year terms. Promotional rates do not apply to refinancing existing Star One loans. Advertised as up to 84 months.
Checked Nov 11, 2026Source starone.org
5.09%New48 months
FL
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. Advertised as 48 months.
Checked Nov 11, 2026Source fairwinds.org
5.05%New24–66 months
FL
Published as 24–66 months, not as its own 66-month price.
APR as low as, current as of 11/04/2026; based on vehicle year, underwriting and amount borrowed. A loan processing fee of 2% (min $30, max $85) applies and affects the APR. Advertised as 24-66 months.
Checked Nov 11, 2026Source additionfi.com
4.99%NewTerm not listed
CA
The source does not assign this APR to a term.
As low as 4.99% APR for new auto. Term not specified on the all-rates page. Separate auto-loans page says terms are available up to 84 months (84-month terms for vehicles up to 10 model years old, 2018-2027) but does not assign the 4.99% APR to a specific term. Rates vary by amount borrowed and term.
Checked Nov 10, 2026Source golden1.com
4.99%New36 months
RI · MA
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
Checked Nov 10, 2026Source wavefcu.org
4.99%New48 months
RI · MA
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
Checked Nov 10, 2026Source wavefcu.org
4.99%New60 months
RI · MA
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
Checked Nov 10, 2026Source wavefcu.org
4.99%New48 months
MN
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
Checked Nov 10, 2026Source affinityplus.org
4.99%NewUp to 66 months
MA · NH
Published as Up to 66 months, not as a single monthly term.
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. Bucket labeled New-2021; up to 66 months.
Checked Nov 10, 2026Source wcu.com
4.99%New67–78 months
MA · NH
Published as 67–78 months, not as its own 78-month price.
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-2021; 67 to 78 months.
Checked Nov 10, 2026Source wcu.com
4.99%NewUp to 36 months
CA
Published as Up to 36 months, not as a single monthly term.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as up to 36 months.
Checked Nov 11, 2026Source missionfed.com
4.99%New37–48 months
CA
Published as 37–48 months, not as its own 48-month price.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 37-48 months.
Checked Nov 11, 2026Source missionfed.com
4.99%New49–66 months
CA
Published as 49–66 months, not as its own 66-month price.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 49-66 months.
Checked Nov 11, 2026Source missionfed.com
4.99%NewUp to 66 months
FL
Published as Up to 66 months, not as a single monthly term.
Vehicles up to 15 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source eglinfcu.org
4.99%NewUp to 60 months
NY
Published as Up to 60 months, not as a single monthly term.
Minimum loan $10,000.
APR as low as; assumes excellent credit. Minimum loan $10,000 up to 60 months ($20,000 to 72, $30,000 to 84). Only vehicles from franchise dealers or TrueCar Certified, Carvana, CarMax or Hertz Car Sales. Advertised as up to 60 months.
Checked Nov 11, 2026Source nymcu.org
4.99%New37–60 months
PA
Published as 37–60 months, not as its own 60-month price.
2022 and newer models (new or used). APR as low as. Rates effective 10/16/2026. Advertised as 37-60 months.
Checked Nov 11, 2026Source uecu.org
4.99%NewUp to 66 months
IL
Published as Up to 66 months, not as a single monthly term.
2024 and newer models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source cefcu.com
4.99%NewUp to 60 months
IL
Published as Up to 60 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Without Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 0-60 months.
Checked Nov 11, 2026Source myconsumers.org
4.99%NewUp to 63 months
MO
Published as Up to 63 months, not as a single monthly term.
Best rates; may be higher based on underwriting. Minimum loan $15,000 for 75 months and $25,000 for 84 months. Advertised as up to 63 months.
Checked Nov 11, 2026Source togethercu.org
4.89%New61–72 months
Nationwide
Published as 61–72 months, not as its own 72-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 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 61-72 months.
Checked Nov 10, 2026Source navyfederal.org
4.89%NewUp to 48 months
CA · AZ · NV
Published as Up to 48 months, not as a single monthly term.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source sdccu.com
4.89%NewUp to 66 months
CA · AZ · NV
Published as Up to 66 months, not as a single monthly term.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source sdccu.com
4.84%New72 months
FL
Eco vehicle special: as low as 4.84% APR for electric, hybrid, and plug-in hybrid vehicles, valid on present calendar year models and previous three calendar year models, for terms up to 72 months. APR effective 10/1/2026. Existing Suncoast loans are not eligible for refinance under this offer. Recorded under new because the special covers current and prior three model years; used eco vehicles in that window may also qualify.
Checked Nov 10, 2026Source suncoast.com
4.84%New36 months
FL
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. Advertised as 36 months.
Checked Nov 11, 2026Source fairwinds.org
4.79%New72 months
Nationwide
Minimum loan $15,000.
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.
Checked Nov 10, 2026Source penfed.org
4.75%NewUp to 36 months
MO
Published as Up to 36 months, not as a single monthly term.
APR as low as for new or used vehicles, up to 36 months; other rates for longer terms. Advertised as up to 36 months.
Checked Nov 11, 2026Source firstcommunity.com
4.74%NewTerm not listed
Nationwide
The source does not assign this APR to a term.
Automobiles rates starting at 4.74% APR. Term not specified on the rate table. Page also states 'low interest rates as low as 4.24% APR' in marketing copy; the rate table lists 4.74% APR as the starting automobile rate, which is what was recorded.
Checked Nov 10, 2026Source servicecu.org
4.74%New36 months
MN
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
Checked Nov 10, 2026Source affinityplus.org
4.74%New76–84 months
IL
Published as 76–84 months, not as its own 84-month price.
APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as 76-84 months.
Checked Nov 11, 2026Source glcu.org
4.74%New36 months
MO
New car, model years 2024-2027; APR as low as, as of Nov 11, 2026. Advertised as 36 months.
Checked Nov 11, 2026Source westcommunitycu.org
4.74%New36 months
MO
New/used auto APR as low as. Advertised as 36 months.
Checked Nov 11, 2026Source alltrucu.org
4.69%and upNew36 months
CA
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
4.69%and upNew48 months
CA
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
4.69%and upNew60 months
CA
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
4.59%New37–60 months
Nationwide
Published as 37–60 months, not as its own 60-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 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 37-60 months.
Checked Nov 10, 2026Source navyfederal.org
4.59%NewUp to 48 months
TX
Published as Up to 48 months, not as a single monthly term.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source gecu.com
4.54%New72 months
Nationwide
Minimum loan $15,000.
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 Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
Checked Nov 10, 2026Source penfed.org
4.49%New36 months
Nationwide
Minimum loan $5,000.
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
4.49%NewUp to 60 months
TX
Published as Up to 60 months, not as a single monthly term.
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
4.49%NewUp to 48 months
TX
Published as Up to 48 months, not as a single monthly term.
Excellent credit tier rate (published tiers run to 16.75% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as up to 48 months.
Checked Nov 11, 2026Source ufcu.org
4.49%New24 months
NY
Model years 2023 and newer. Lowest available APR; actual rate based on overall creditworthiness. Rates accurate as of 11/11/2026. Advertised as 24 months.
Checked Nov 11, 2026Source broadviewfcu.com
4.49%NewUp to 60 months
IL
Published as Up to 60 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Includes a 0.50% discount for buying at a certified dealer through CCU's Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 0-60 months.
Checked Nov 11, 2026Source myconsumers.org
4.49%and upNewUp to 60 months
IL
Published as Up to 60 months, not as a single monthly term.
Regular rate range 4.49%-17.49%; assumes loan-to-value of 100% or less and term of 60 months or less. Not all borrowers qualify for the lowest rate. Advertised as up to 60 months.
Checked Nov 11, 2026Source alerofinancial.org
4.49%NewTerm not listed
IL
The source does not assign this APR to a term.
New and used auto & truck APR as low as; based on creditworthiness and vehicle age. The payment example uses 36 months, but the rate is not tied to a term.
Checked Nov 11, 2026Source numarkcu.org
4.44%New60 months
Nationwide
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.
Checked Nov 10, 2026Source penfed.org
4.39%New48 months
Nationwide
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.
Checked Nov 10, 2026Source penfed.org
4.34%New37–75 months
IL
Published as 37–75 months, not as its own 75-month price.
APR as low as, 2025 and newer models. Advertised as 37-75 months.
Checked Nov 11, 2026Source bcu.org
4.24%NewUp to 48 months
TX
Published as Up to 48 months, not as a single monthly term.
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
4.24%NewUp to 36 months
PA
Published as Up to 36 months, not as a single monthly term.
2022 and newer models (new or used). APR as low as. Rates effective 10/16/2026. Advertised as up to 36 months.
Checked Nov 11, 2026Source uecu.org
4.24%New64–75 months
IL
Published as 64–75 months, not as its own 75-month price.
APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as 64-75 months.
Checked Nov 11, 2026Source glcu.org
4.19%New12–36 months
Nationwide
Published as 12–36 months, not as its own 36-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 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 12-36 months.
Checked Nov 10, 2026Source navyfederal.org
4.19%New36 months
Nationwide
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.
Checked Nov 10, 2026Source penfed.org
4.09%NewUp to 60 months
Nationwide
Published as Up to 60 months, not as a single monthly term.
APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 60 months.
Checked Nov 11, 2026Source aacreditunion.org
3.99%NewUp to 36 months
TX
Published as Up to 36 months, not as a single monthly term.
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
3.99%NewUp to 63 months
IL
Published as Up to 63 months, not as a single monthly term.
APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source glcu.org
3.84%New60 months
Nationwide
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 10, 2026Source penfed.org
3.84%NewUp to 36 months
IL
Published as Up to 36 months, not as a single monthly term.
APR as low as, 2025 and newer models. Advertised as 0-36 months.
Checked Nov 11, 2026Source bcu.org
3.79%New48 months
Nationwide
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 10, 2026Source penfed.org
3.39%New36 months
Nationwide
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 10, 2026Source penfed.org
3.34%NewUp to 36 months
Nationwide
Published as Up to 36 months, not as a single monthly term.
APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 36 months.
Checked Nov 11, 2026Source aacreditunion.org
3.09%NewTerm not listed
IL
The source does not assign this APR to a term.
Auto Buying Service rate, 2025 and newer models; APR as low as when buying through BCU's auto buying service. Term not listed.
Checked Nov 11, 2026Source bcu.org
| Compare | Rate (APR) ↓ | Lender | Term | Type | Where | Restriction / note | |
|---|---|---|---|---|---|---|---|
| 8.99% | Westerly Community Credit Union | 96 months | New | RI · CT | with autopay | Visit lender ↗ | |
| 8.49% | Westerly Community Credit Union | 84 months | New | RI · CT | with autopay | Visit lender ↗ | |
| 7.82% | Jovia Financial Federal Credit Union | 96 months | New | NY | Standard rate | Visit lender ↗ | |
| 7.79% | PSECU | 85–96 months | New | PA | LTV 90% or less | Visit lender ↗ | |
| 7.74% | Metro Credit Union | 76–84 months | New | MA · NH | Standard rate | Visit lender ↗ | |
| 7.74% | Alltru Credit Union | 73–84 months | New | MO | Standard rate | Visit lender ↗ | |
| 7.69% | Navy Federal Credit Union | 85–96 months | New | Nationwide | military and families only | Visit lender ↗ | |
| 7.55% | Kinecta Federal Credit Union | Term not listed | New | CA · NY | with autopay | Visit lender ↗ | |
| 7.34% | Navigant Credit Union | Up to 84 months | New | RI · MA | with autopay | Visit lender ↗ | |
| 7.24% | First Tech Federal Credit Union | 84 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 7.19% | Connexus Credit Union | 84 months | New | Nationwide | with digital banking + autopay | Visit lender ↗ | |
| 7.04% | Clearview Federal Credit Union | 84 months | New | PA | with checking account | Visit lender ↗ | |
| 6.99% | Westerly Community Credit Union | 72 months | New | RI · CT | with autopay | Visit lender ↗ | |
| 6.99% | Langley Federal Credit Union | 76–84 months | New | VA | Standard rate | Visit lender ↗ | |
| 6.99% | Sharon Credit Union | 76–84 months | New | MA · RI | Standard rate | Visit lender ↗ | |
| 6.99% | St. Louis Community Credit Union | 73–84 months | New | MO | Standard rate | Visit lender ↗ | |
| 6.82% | Jovia Financial Federal Credit Union | 84 months | New | NY | Standard rate | Visit lender ↗ | |
| 6.79% | PSECU | 76–84 months | New | PA | LTV 90% or less | Visit lender ↗ | |
| 6.74% | People's Credit Union | 84 months | New | RI · MA · CT | with autopay | Visit lender ↗ | |
| 6.74% | Space Coast Credit Union | Up to 84 months | New | FL | Standard rate | Visit lender ↗ | |
| 6.74% | American Heritage Federal Credit Union | 76–84 months | New | PA | with autopay | Visit lender ↗ | |
| 6.74% | West Community Credit Union | 84 months | New | MO | Standard rate | Visit lender ↗ | |
| 6.69% | Trumark Financial Credit Union | 76–84 months | New | PA | Standard rate | Visit lender ↗ | |
| 6.62% | Jovia Financial Federal Credit Union | 72 months | New | NY | Standard rate | Visit lender ↗ | |
| 6.49% | Metro Credit Union | 67–75 months | New | MA · NH | Standard rate | Visit lender ↗ | |
| 6.49% | Wave Federal Credit Union | 84 months | New | RI · MA | Standard rate | Visit lender ↗ | |
| 6.49% | Jeanne D'Arc Credit Union | 84 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 6.49% | Space Coast Credit Union | Up to 75 months | New | FL | Standard rate | Visit lender ↗ | |
| 6.49% | Sharon Credit Union | 73–75 months | New | MA · RI | Standard rate | Visit lender ↗ | |
| 6.49% | EECU Credit Union | 84 months | New | TX | Standard rate | Visit lender ↗ | |
| 6.49% | Consumers Credit Union (Illinois) | 73–84 months | New | IL | with autopay | Visit lender ↗ | |
| 6.49% | Together Credit Union | Up to 84 months | New | MO | Standard rate | Visit lender ↗ | |
| 6.44% | Clearview Federal Credit Union | 75 months | New | PA | with checking account | Visit lender ↗ | |
| 6.34% | Alliant Credit Union | 60 months | New | Nationwide | with autopay | Visit lender ↗ | |
| 6.34% | Connexus Credit Union | 72 months | New | Nationwide | with digital banking + autopay | Visit lender ↗ | |
| 6.34% | Navigant Credit Union | Up to 75 months | New | RI · MA | with autopay | Visit lender ↗ | |
| 6.34% | Police and Fire Federal Credit Union (PFFCU) | 84 months | New | PA | top credit tier | Visit lender ↗ | |
| 6.29% | Navy Federal Credit Union | 73–84 months | New | Nationwide | military and families only | Visit lender ↗ | |
| 6.28% | Jovia Financial Federal Credit Union | Up to 60 months | New | NY | Standard rate | Visit lender ↗ | |
| 6.24% | Wings Financial Credit Union | 84 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 6.24% | Metro Credit Union | Up to 66 months | New | MA · NH | Standard rate | Visit lender ↗ | |
| 6.24% | Idaho Central Credit Union | 72 months | New | ID | Standard rate | Visit lender ↗ | |
| 6.24% | Mission Federal Credit Union | 79–84 months | New | CA | Standard rate | Visit lender ↗ | |
| 6.24% | EECU Credit Union | 78 months | New | TX | Standard rate | Visit lender ↗ | |
| 6.20% – 14.98% | Missouri Central Credit Union | 73–84 months | New | MO | Standard rate | Visit lender ↗ | |
| 6.19% – 29.98% | Oregon Community Credit Union | Term not listed | New | OR | with autopay + eStatementsLTV under 75% | Visit lender ↗ | |
| 6.19% | San Diego County Credit Union (SDCCU) | Up to 84 months | New | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 6.19% | St. Louis Community Credit Union | 64–72 months | New | MO | Standard rate | Visit lender ↗ | |
| 6.17% | Andrews Federal Credit Union | 84 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 6.14% | Capital One | 60 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 6.14% | PSECU | 64–75 months | New | PA | LTV 90% or less | Visit lender ↗ | |
| 6.12% – 12.11% | Truist Bank | 84 months | New | AL · AR · DC · FL · GA · IN · KY · MD · MS · NJ · NC · OH · PA · SC · TN · TX · VA · WV | Standard rate | Visit lender ↗ | |
| 6.10% | TDECU | 48 months | New | TX | needs direct deposit | Visit lender ↗ | |
| 6.09% | Coastal1 Credit Union (formerly Pawtucket Credit Union) | 60-month payment example | New | RI · MA · CT | promo rate | Visit lender ↗ | |
| 6.09% | Police and Fire Federal Credit Union (PFFCU) | 75 months | New | PA | top credit tier | Visit lender ↗ | |
| 6.04% | Connexus Credit Union | 60 months | New | Nationwide | with digital banking + autopay | Visit lender ↗ | |
| 6.04% | Trumark Financial Credit Union | 64–75 months | New | PA | Standard rate | Visit lender ↗ | |
| 6.02% | Andrews Federal Credit Union | 72 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 6.00% | Capital One | 72 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 6.00% | GECU Federal Credit Union | 79–84 months | New | TX | top credit tier | Visit lender ↗ | |
| 5.99% | Alliant Credit Union | 60 months | New | Nationwide | Tesla onlywith autopay | Visit lender ↗ | |
| 5.99% | Navigant Credit Union | Up to 66 months | New | RI · MA | with autopay | Visit lender ↗ | |
| 5.99% | Westerly Community Credit Union | 60 months | New | RI · CT | with autopay | Visit lender ↗ | |
| 5.99% | Wings Financial Credit Union | 66 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.99% | Wings Financial Credit Union | 72 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.99% | Langley Federal Credit Union | 12–36 months | New | VA | Standard rate | Visit lender ↗ | |
| 5.99% | Langley Federal Credit Union | 37–60 months | New | VA | Standard rate | Visit lender ↗ | |
| 5.99% | Langley Federal Credit Union | 61–66 months | New | VA | Standard rate | Visit lender ↗ | |
| 5.99% | Langley Federal Credit Union | 67–75 months | New | VA | Standard rate | Visit lender ↗ | |
| 5.99% | Affinity Plus Federal Credit Union | 84 months | New | MN | LTV under 70% | Visit lender ↗ | |
| 5.99% | Jeanne D'Arc Credit Union | 36 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 5.99% | Jeanne D'Arc Credit Union | 48 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 5.99% | Jeanne D'Arc Credit Union | 65 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 5.99% | Jeanne D'Arc Credit Union | 75 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 5.99% | Space Coast Credit Union | Up to 66 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.99% | Sharon Credit Union | 64–72 months | New | MA · RI | Standard rate | Visit lender ↗ | |
| 5.99% | Visions Federal Credit Union | Up to 84 months | New | NY | promo ratewith autopay | Visit lender ↗ | |
| 5.99% | American Heritage Federal Credit Union | 64–75 months | New | PA | with autopay | Visit lender ↗ | |
| 5.99% | Clearview Federal Credit Union | 63 months | New | PA | with checking account | Visit lender ↗ | |
| 5.99% | Utilities Employees Credit Union (UECU) | 73–84 months | New | PA | utility employees and families only | Visit lender ↗ | |
| 5.99% | Alltru Credit Union | 72 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.94% | Idaho Central Credit Union | 60 months | New | ID | Standard rate | Visit lender ↗ | |
| 5.94% | EECU Credit Union | 36 months | New | TX | Standard rate | Visit lender ↗ | |
| 5.94% | EECU Credit Union | 48 months | New | TX | Standard rate | Visit lender ↗ | |
| 5.94% | EECU Credit Union | 66 months | New | TX | Standard rate | Visit lender ↗ | |
| 5.94% | EECU Credit Union | 75 months | New | TX | Standard rate | Visit lender ↗ | |
| 5.89% – 18.00% | BECU (Boeing Employees' Credit Union) | 60-month payment example | New | WA · OR | LTV 90% or less | Visit lender ↗ | |
| 5.89% | MIDFLORIDA Credit Union | Up to 72 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.89% | Citadel Federal Credit Union | Term not listed | New | PA | Standard rate | Visit lender ↗ | |
| 5.89% | St. Louis Community Credit Union | Up to 63 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.84% | Alliant Credit Union | 60 months | New | Nationwide | TrueCar dealer onlywith autopay | Visit lender ↗ | |
| 5.84% | Connexus Credit Union | 48 months | New | Nationwide | with digital banking + autopay | Visit lender ↗ | |
| 5.84% | Police and Fire Federal Credit Union (PFFCU) | 72 months | New | PA | top credit tier | Visit lender ↗ | |
| 5.79% | Trumark Financial Credit Union | Up to 63 months | New | PA | Standard rate | Visit lender ↗ | |
| 5.74% | Connexus Credit Union | 36 months | New | Nationwide | with digital banking + autopay | Visit lender ↗ | |
| 5.74% | First Tech Federal Credit Union | 72 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.74% | Greenwood Credit Union | 75 months | New | RI | with autopay | Visit lender ↗ | |
| 5.74% | People's Credit Union | 75 months | New | RI · MA · CT | with autopay | Visit lender ↗ | |
| 5.74% – 18.00% | SchoolsFirst Federal Credit Union | 84 months | New | CA | with autopay | Visit lender ↗ | |
| 5.74% – 17.99% | Patelco Credit Union | 73–84 months | New | CA | LTV 95% or less | Visit lender ↗ | |
| 5.74% | Wings Financial Credit Union | 48 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.74% | Bellco Credit Union | Term not listed | New | CO | Standard rate | Visit lender ↗ | |
| 5.74% | Lake Michigan Credit Union | Term not listed | New | MI · FL | Standard rate | Visit lender ↗ | |
| 5.74% | Space Coast Credit Union | Up to 48 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.74% | PenFed Credit Union | 84 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.74% | PenFed Credit Union | 84 months | New | Nationwide | TrueCar dealer only | Visit lender ↗ | |
| 5.74% | Eglin Federal Credit Union | Up to 84 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.74% | American Heritage Federal Credit Union | Up to 63 months | New | PA | with autopay | Visit lender ↗ | |
| 5.74% | Clearview Federal Credit Union | 48 months | New | PA | with checking account | Visit lender ↗ | |
| 5.74% | West Community Credit Union | 72 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.74% | CommunityAmerica Credit Union | Term not listed | New | MO | Standard rate | Visit lender ↗ | |
| 5.70% – 14.89% | Missouri Central Credit Union | 61–72 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.69% | Idaho Central Credit Union | 48 months | New | ID | Standard rate | Visit lender ↗ | |
| 5.69% – 14.29% | Credit Human | 48 months | New | Nationwide | with autopay | Visit lender ↗ | |
| 5.69% – 12.14% | PSECU | 1–63 months | New | PA | LTV 90% or less | Visit lender ↗ | |
| 5.68% | FourLeaf Federal Credit Union (formerly Bethpage FCU) | 60 months | New | NY | top credit tierLTV 90% or less | Visit lender ↗ | |
| 5.64% | FAIRWINDS Credit Union | 72 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.64% | Hudson Valley Credit Union (HVCU) | Term not listed | New | NY | Standard rate | Visit lender ↗ | |
| 5.59% | Police and Fire Federal Credit Union (PFFCU) | 63 months | New | PA | top credit tier | Visit lender ↗ | |
| 5.55% | Addition Financial Credit Union | 67–84 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.50% | GECU Federal Credit Union | 67–72 months | New | TX | top credit tier | Visit lender ↗ | |
| 5.49% | Rhode Island Credit Union | 84 months | New | RI | Standard rate | Visit lender ↗ | |
| 5.49% | Westerly Community Credit Union | 36 months | New | RI · CT | with autopay | Visit lender ↗ | |
| 5.49% | Westerly Community Credit Union | 48 months | New | RI · CT | with autopay | Visit lender ↗ | |
| 5.49% | People's Credit Union | 63 months | New | RI · MA · CT | with autopay | Visit lender ↗ | |
| 5.49% | People's Credit Union | 66 months | New | RI · MA · CT | with autopay | Visit lender ↗ | |
| 5.49% – 18.00% | America First Credit Union | 60 months | New | UT | Standard rate | Visit lender ↗ | |
| 5.49% | Wings Financial Credit Union | 36 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.49% | Wave Federal Credit Union | 72 months | New | RI · MA | Standard rate | Visit lender ↗ | |
| 5.49% | Affinity Plus Federal Credit Union | 72 months | New | MN | LTV under 70% | Visit lender ↗ | |
| 5.49% | Workers Credit Union | 79–84 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 5.49% | Sharon Credit Union | Up to 63 months | New | MA · RI | Standard rate | Visit lender ↗ | |
| 5.49% – 18.00% | Grow Financial Federal Credit Union | Term not listed | New | FL | Standard rate | Visit lender ↗ | |
| 5.49% | Eglin Federal Credit Union | Up to 74 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.49% | Empower Federal Credit Union | Term not listed | New | NY | Standard rate | Visit lender ↗ | |
| 5.49% | Clearview Federal Credit Union | 36 months | New | PA | with checking account | Visit lender ↗ | |
| 5.49% | Utilities Employees Credit Union (UECU) | 61–72 months | New | PA | utility employees and families only | Visit lender ↗ | |
| 5.49% | Consumers Credit Union (Illinois) | 61–72 months | New | IL | with autopay | Visit lender ↗ | |
| 5.49% | Together Credit Union | Up to 75 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.49% | West Community Credit Union | 60 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.44% – 17.99% | Patelco Credit Union | 67–72 months | New | CA | LTV 95% or less | Visit lender ↗ | |
| 5.44% | FAIRWINDS Credit Union | 60 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.39% | West Community Credit Union | 48 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.34% | BCU (Baxter Credit Union) | 76–84 months | New | IL | Standard rate | Visit lender ↗ | |
| 5.31% | CAMPUS USA Credit Union | Up to 60 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.30% | GECU Federal Credit Union | 49–60 months | New | TX | top credit tier | Visit lender ↗ | |
| 5.29% – 17.99% | Patelco Credit Union | 49–66 months | New | CA | LTV 95% or less | Visit lender ↗ | |
| 5.24% | First Tech Federal Credit Union | 65 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.24% | Greenwood Credit Union | 63 months | New | RI | with autopay | Visit lender ↗ | |
| 5.24% – 18.00% | America First Credit Union | Term not listed | New | UT | Standard rate | Visit lender ↗ | |
| 5.24% | Affinity Plus Federal Credit Union | 60 months | New | MN | LTV under 70% | Visit lender ↗ | |
| 5.24% | Mission Federal Credit Union | 67–75 months | New | CA | Standard rate | Visit lender ↗ | |
| 5.24% | Mission Federal Credit Union | 76–78 months | New | CA | Standard rate | Visit lender ↗ | |
| 5.24% – 18.00% | Rally Credit Union | Up to 84 months | New | TX | Standard rate | Visit lender ↗ | |
| 5.24% | Broadview Federal Credit Union | 60 months | New | NY | Standard rate | Visit lender ↗ | |
| 5.24% | Alltru Credit Union | 48 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.24% | Alltru Credit Union | 60 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.20% – 14.89% | Missouri Central Credit Union | 1–60 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.19% | Connexus Credit Union | 24 months | New | Nationwide | with digital banking + autopay | Visit lender ↗ | |
| 5.19% – 17.99% | Patelco Credit Union | Up to 48 months | New | CA | LTV 95% or less | Visit lender ↗ | |
| 5.19% | Andrews Federal Credit Union | 60 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.19% | San Diego County Credit Union (SDCCU) | Up to 78 months | New | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 5.15% | Achieva Credit Union | Term not listed | New | FL | Standard rate | Visit lender ↗ | |
| 5.14% | University Federal Credit Union (UFCU) | 49–66 months | New | TX | top credit tier | Visit lender ↗ | |
| 5.09% – 18.00% | SchoolsFirst Federal Credit Union | 72 months | New | CA | with autopay | Visit lender ↗ | |
| 5.09% | Suncoast Credit Union | 60-month payment example | New | FL | Standard rate | Visit lender ↗ | |
| 5.09% | Andrews Federal Credit Union | 48 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.09% – 9.09% | Star One Credit Union | Up to 84 months | New | CA | Standard rate | Visit lender ↗ | |
| 5.09% | FAIRWINDS Credit Union | 48 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.05% | Addition Financial Credit Union | 24–66 months | New | FL | Standard rate | Visit lender ↗ | |
| 4.99% | Golden 1 Credit Union | Term not listed | New | CA | Standard rate | Visit lender ↗ | |
| 4.99% | Wave Federal Credit Union | 36 months | New | RI · MA | Standard rate | Visit lender ↗ | |
| 4.99% | Wave Federal Credit Union | 48 months | New | RI · MA | Standard rate | Visit lender ↗ | |
| 4.99% | Wave Federal Credit Union | 60 months | New | RI · MA | Standard rate | Visit lender ↗ | |
| 4.99% | Affinity Plus Federal Credit Union | 48 months | New | MN | LTV under 70% | Visit lender ↗ | |
| 4.99% | Workers Credit Union | Up to 66 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 4.99% | Workers Credit Union | 67–78 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 4.99% | Mission Federal Credit Union | Up to 36 months | New | CA | Standard rate | Visit lender ↗ | |
| 4.99% | Mission Federal Credit Union | 37–48 months | New | CA | Standard rate | Visit lender ↗ | |
| 4.99% | Mission Federal Credit Union | 49–66 months | New | CA | Standard rate | Visit lender ↗ | |
| 4.99% | Eglin Federal Credit Union | Up to 66 months | New | FL | Standard rate | Visit lender ↗ | |
| 4.99% | Municipal Credit Union (MCU) | Up to 60 months | New | NY | top credit tier | Visit lender ↗ | |
| 4.99% | Utilities Employees Credit Union (UECU) | 37–60 months | New | PA | utility employees and families only | Visit lender ↗ | |
| 4.99% | CEFCU | Up to 66 months | New | IL | top credit tier | Visit lender ↗ | |
| 4.99% | Consumers Credit Union (Illinois) | Up to 60 months | New | IL | with autopay | Visit lender ↗ | |
| 4.99% | Together Credit Union | Up to 63 months | New | MO | Standard rate | Visit lender ↗ | |
| 4.89% | Navy Federal Credit Union | 61–72 months | New | Nationwide | military and families only | Visit lender ↗ | |
| 4.89% | San Diego County Credit Union (SDCCU) | Up to 48 months | New | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 4.89% | San Diego County Credit Union (SDCCU) | Up to 66 months | New | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 4.84% | Suncoast Credit Union | 72 months | New | FL | EV/hybrid onlypromo rate | Visit lender ↗ | |
| 4.84% | FAIRWINDS Credit Union | 36 months | New | FL | Standard rate | Visit lender ↗ | |
| 4.79% | PenFed Credit Union | 72 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 4.75% | First Community Credit Union (Missouri) | Up to 36 months | New | MO | Standard rate | Visit lender ↗ | |
| 4.74% | Service Credit Union | Term not listed | New | Nationwide | eligibility: militaryDoD or New England | Visit lender ↗ | |
| 4.74% | Affinity Plus Federal Credit Union | 36 months | New | MN | LTV under 70% | Visit lender ↗ | |
| 4.74% | Great Lakes Credit Union | 76–84 months | New | IL | Standard rate | Visit lender ↗ | |
| 4.74% | West Community Credit Union | 36 months | New | MO | Standard rate | Visit lender ↗ | |
| 4.74% | Alltru Credit Union | 36 months | New | MO | Standard rate | Visit lender ↗ | |
| 4.69% – 18.00% | SchoolsFirst Federal Credit Union | 36 months | New | CA | with autopay | Visit lender ↗ | |
| 4.69% – 18.00% | SchoolsFirst Federal Credit Union | 48 months | New | CA | with autopay | Visit lender ↗ | |
| 4.69% – 18.00% | SchoolsFirst Federal Credit Union | 60 months | New | CA | with autopay | Visit lender ↗ | |
| 4.59% | Navy Federal Credit Union | 37–60 months | New | Nationwide | military and families only | Visit lender ↗ | |
| 4.59% | GECU Federal Credit Union | Up to 48 months | New | TX | top credit tier | Visit lender ↗ | |
| 4.54% | PenFed Credit Union | 72 months | New | Nationwide | TrueCar dealer only | Visit lender ↗ | |
| 4.49% | Andrews Federal Credit Union | 36 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 4.49% | Randolph-Brooks Federal Credit Union (RBFCU) | Up to 60 months | New | TX | promo ratetop credit tier | Visit lender ↗ | |
| 4.49% | University Federal Credit Union (UFCU) | Up to 48 months | New | TX | top credit tier | Visit lender ↗ | |
| 4.49% | Broadview Federal Credit Union | 24 months | New | NY | Standard rate | Visit lender ↗ | |
| 4.49% | Consumers Credit Union (Illinois) | Up to 60 months | New | IL | buying service dealer onlywith autopay | Visit lender ↗ | |
| 4.49% – 17.49% | Alero Financial (formerly Corporate America Family CU) | Up to 60 months | New | IL | LTV 100% or less | Visit lender ↗ | |
| 4.49% | NuMark Credit Union | Term not listed | New | IL | Standard rate | Visit lender ↗ | |
| 4.44% | PenFed Credit Union | 60 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 4.39% | PenFed Credit Union | 48 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 4.34% | BCU (Baxter Credit Union) | 37–75 months | New | IL | Standard rate | Visit lender ↗ | |
| 4.24% | First Community Credit Union (Houston) | Up to 48 months | New | TX | with bundled discounts | Visit lender ↗ | |
| 4.24% | Utilities Employees Credit Union (UECU) | Up to 36 months | New | PA | utility employees and families only | Visit lender ↗ | |
| 4.24% | Great Lakes Credit Union | 64–75 months | New | IL | Standard rate | Visit lender ↗ | |
| 4.19% | Navy Federal Credit Union | 12–36 months | New | Nationwide | military and families only | Visit lender ↗ | |
| 4.19% | PenFed Credit Union | 36 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 4.09% | American Airlines Federal Credit Union | Up to 60 months | New | Nationwide | airline industry members only | Visit lender ↗ | |
| 3.99% | First Community Credit Union (Houston) | Up to 36 months | New | TX | promo ratewith bundled discounts | Visit lender ↗ | |
| 3.99% | Great Lakes Credit Union | Up to 63 months | New | IL | Standard rate | Visit lender ↗ | |
| 3.84% | PenFed Credit Union | 60 months | New | Nationwide | TrueCar dealer only | Visit lender ↗ | |
| 3.84% | BCU (Baxter Credit Union) | Up to 36 months | New | IL | Standard rate | Visit lender ↗ | |
| 3.79% | PenFed Credit Union | 48 months | New | Nationwide | TrueCar dealer only | Visit lender ↗ | |
| 3.39% | PenFed Credit Union | 36 months | New | Nationwide | TrueCar dealer only | Visit lender ↗ | |
| 3.34% | American Airlines Federal Credit Union | Up to 36 months | New | Nationwide | airline industry members only | Visit lender ↗ | |
| 3.09% | BCU (Baxter Credit Union) | Term not listed | New | IL | buying service dealer only | Visit lender ↗ |