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

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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

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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

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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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7 rates from 5 lenders · Refi · 72m · Sorted by lowest APR

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72m

7 rates

Standard rate

4.79%Refi72 months

PenFed Credit Union

Nationwide

Minimum loan $15,000.

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

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Standard rate

5.39%Refi72 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

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LTV 95% or less

5.59%and upRefi72 months

Patelco Credit Union

CA

Minimum loan $10,000.

What the lender published

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. Same used-auto / refinance table; advertised bucket ending at 72 months.

Checked Nov 10, 2026Source patelco.org

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promo rate

5.99%Refi67–75 months

Langley Federal Credit Union

VA

Published as 67–75 months, not as its own 75-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 67-75 months. No 76-84 month refinance rate was listed.

Checked Nov 10, 2026Source langleyfcu.org

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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

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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

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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

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The weekly five

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