JustAutoRates

Current Auto Refinance Rates

Checked weeklyUpdated

Published auto refinance APRs from credit unions and banks, straight from each lender’s own site.

Lowest match

3.99%

promo ratewith bundled discounts

Avg credit union

5.19%

▼ 0.87 pts below banks

Lowest rates this week

Top 4 of 32 rates

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promo ratewith bundled discounts

3.99%RefiUp to 36 months

First Community Credit Union (Houston)

TX

Published as Up to 36 months, not as a single monthly term.

What the lender published

36-month special rate; same rate for new, used and refinance. Lowest rate includes up to 1.00% in combined discounts (credit life and disability insurance, extended service contract, existing FCCU auto loan, First Rewards Checking, FCCU Visa card). Advertised as up to 36 months.

Checked Nov 11, 2026Source fccu.org

Standard rate

4.19%Refi36 months

PenFed Credit Union

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

promo ratetop credit tier

4.49%RefiUp to 60 months

Randolph-Brooks Federal Credit Union (RBFCU)

TX

Published as Up to 60 months, not as a single monthly term.

What the lender published

Go Beyond: Member Giveback limited-time rate through Dec. 31, 2026, for well-qualified borrowers; new, used and refinance. Advertised as up to 60 months.

Checked Nov 11, 2026Source rbfcu.org

LTV 90% or lesspromo rate

5.39%and upRefi60 months

BECU (Boeing Employees' Credit Union)

WA · OR

What the lender published

Limited-time discount for refinancing a loan from another lender: 0.50% APR discount, rates as low as 5.39% APR after the discount. Offer ends Dec. 31, 2026. Standard refinance range is 5.89%-18.00% APR as of 11/1/2026. Lowest APR based on 60-month or less term, collateral two years old or newer, and up to 90% LTV. Disclosure 2 on becu.org/rates. 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

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11 rates from 6 lenders · Refi · 36m · Sorted by lowest APR

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11 rates

promo ratewith bundled discounts

3.99%RefiUp to 36 months

First Community Credit Union (Houston)

TX

Published as Up to 36 months, not as a single monthly term.

What the lender published

36-month special rate; same rate for new, used and refinance. Lowest rate includes up to 1.00% in combined discounts (credit life and disability insurance, extended service contract, existing FCCU auto loan, First Rewards Checking, FCCU Visa card). Advertised as up to 36 months.

Checked Nov 11, 2026Source fccu.org

Standard rate

4.19%Refi36 months

PenFed Credit Union

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

with bundled discounts

4.24%RefiUp to 48 months

First Community Credit Union (Houston)

TX

Published as Up to 48 months, not as a single monthly term.

What the lender published

Rate valid up to 48 months; lowest rate includes up to 1.00% in combined discounts (insurance, service contract, existing auto loan, checking, Visa card). Advertised as up to 48 months.

Checked Nov 11, 2026Source fccu.org

promo ratetop credit tier

4.49%RefiUp to 60 months

Randolph-Brooks Federal Credit Union (RBFCU)

TX

Published as Up to 60 months, not as a single monthly term.

What the lender published

Go Beyond: Member Giveback limited-time rate through Dec. 31, 2026, for well-qualified borrowers; new, used and refinance. Advertised as up to 60 months.

Checked Nov 11, 2026Source rbfcu.org

Standard rate

4.79%Refi36 months

PenFed Credit Union

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

Standard rate

5.74%RefiUp to 48 months

Space Coast Credit Union

FL

Published as Up to 48 months, not as a single monthly term.

What the lender published

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 refinance interest rates (non-SCCU auto loans only); advertised as up to 48 months.

Checked Nov 10, 2026Source sccu.com

promo rate

5.99%Refi12–36 months

Langley Federal Credit Union

VA

Published as 12–36 months, not as its own 36-month price.

What the lender published

As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 12-36 months. No 76-84 month refinance rate was listed.

Checked Nov 10, 2026Source langleyfcu.org

Standard rate

5.99%RefiUp to 66 months

Space Coast Credit Union

FL

Published as Up to 66 months, not as a single monthly term.

Minimum loan $10,000.

What the lender published

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 refinance interest rates (non-SCCU auto loans only); advertised as up to 66 months.

Checked Nov 10, 2026Source sccu.com

Standard rate

6.49%RefiUp to 75 months

Space Coast Credit Union

FL

Published as Up to 75 months, not as a single monthly term.

Minimum loan $12,000.

What the lender published

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 refinance interest rates (non-SCCU auto loans only); advertised as up to 75 months.

Checked Nov 10, 2026Source sccu.com

Standard rate

6.74%RefiUp to 84 months

Space Coast Credit Union

FL

Published as Up to 84 months, not as a single monthly term.

Minimum loan $20,000.

What the lender published

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 refinance interest rates (non-SCCU auto loans only); advertised as up to 84 months.

Checked Nov 10, 2026Source sccu.com

Standard rate

6.74%Refi24–84 months

Addition Financial Credit Union

FL

Published as 24–84 months, not as its own 84-month price.

What the lender published

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 24-84 months.

Checked Nov 11, 2026Source additionfi.com

The weekly five

Five lowest published rows, one line each, linked back through the site.