JustAutoRates

Current Used Car Loan Rates

Checked weeklyUpdated

Published used-vehicle 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 279 rates

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promo ratewith bundled discounts

3.99%UsedUp 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

3.99%UsedUp to 63 months

Great Lakes Credit Union

IL

Published as Up to 63 months, not as a single monthly term.

What the lender published

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

buying service dealer only

4.09%UsedTerm not listed

BCU (Baxter Credit Union)

IL

The source does not assign this APR to a term.

What the lender published

Auto Buying Service rate, 2023-2024 models; APR as low as when buying through BCU's auto buying service. Term not listed.

Checked Nov 11, 2026Source bcu.org

TrueCar dealer only

4.34%Used36 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 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

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Search & filter rates

93 rates from 53 lenders · Used · 48m · Sorted by highest APR

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Showing 25 of 93 rates

with autopay

9.99%UsedUp to 75 months

Navigant Credit Union

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.

What the lender published

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. 2015 and older; advertised as up to 75 months.

Checked Nov 10, 2026Source navigantcu.org

with autopay

9.99%Used48 months

Westerly Community Credit Union

RI · CT

What the lender published

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. Used auto loans, 2011-2017. Max LTV 90%.

Checked Nov 10, 2026Source westerlyccu.com

with autopay

8.74%UsedUp to 75 months

Navigant Credit Union

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.

What the lender published

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. 2016-2018; advertised as up to 75 months.

Checked Nov 10, 2026Source navigantcu.org

with autopay

8.74%UsedUp to 66 months

Navigant Credit Union

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.

What the lender published

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. 2015 and older; advertised as up to 66 months.

Checked Nov 10, 2026Source navigantcu.org

Standard rate

7.99%UsedUp to 66 months

Metro Credit Union

MA · NH

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

What the lender published

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. Used 2017-2018; up to 66 months.

Checked Nov 10, 2026Source metrocu.org

with autopay

7.74%UsedUp to 66 months

Navigant Credit Union

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.

What the lender published

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. 2016-2018; advertised as up to 66 months.

Checked Nov 10, 2026Source navigantcu.org

with autopay

7.59%UsedUp to 84 months

Navigant Credit Union

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.

What the lender published

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. 2022-2023; advertised as up to 84 months.

Checked Nov 10, 2026Source navigantcu.org

Standard rate

7.39%UsedUp to 72 months

MIDFLORIDA Credit Union

FL

Published as Up to 72 months, not as a single monthly term. The source also includes a payment example.

What the lender published

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. 2022 and 2021 autos; term up to 72 months.

Checked Nov 10, 2026Source midflorida.com

with autopay

7.34%UsedUp to 84 months

Navigant Credit Union

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.

What the lender published

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. 2024-2025; advertised as up to 84 months.

Checked Nov 10, 2026Source navigantcu.org

Standard rate

7.29%Used48 months

Wave Federal Credit Union

RI · MA

What the lender published

Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. Used auto, models 2011-2019.

Checked Nov 10, 2026Source wavefcu.org

with autopay

7.09%UsedUp to 75 months

Navigant Credit Union

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.

What the lender published

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. 2019-2021; advertised as up to 75 months.

Checked Nov 10, 2026Source navigantcu.org

Standard rate

6.99%UsedUp to 60 months

Sharon Credit Union

MA · RI

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

What the lender published

As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2016-2018. Advertised as up to 60 months.

Checked Nov 10, 2026Source scucu.com

promo ratewith autopay

6.99%UsedUp to 75 months

Visions Federal Credit Union

NY

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

The published figure may include an autopay, direct-deposit, or relationship discount.

What the lender published

Model years up to 7 calendar years old. 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 75 months.

Checked Nov 11, 2026Source visionsfcu.org

Standard rate

6.84%UsedUp to 84 months

Together Credit Union

MO

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

Minimum loan $25,000.

What the lender published

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

with autopay

6.74%UsedUp to 66 months

Navigant Credit Union

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.

What the lender published

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. 2019-2021; advertised as up to 66 months.

Checked Nov 10, 2026Source navigantcu.org

Standard rate

6.74%UsedUp to 66 months

Metro Credit Union

MA · NH

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

What the lender published

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. Used 2019-2021; up to 66 months.

Checked Nov 10, 2026Source metrocu.org

Standard rate

6.74%UsedUp 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. Purchase rates are for model years 2024 and newer (may include late-model used). Advertised as up to 84 months.

Checked Nov 10, 2026Source sccu.com

Standard rate

6.64%UsedUp to 72 months

MIDFLORIDA Credit Union

FL

Published as Up to 72 months, not as a single monthly term. The source also includes a payment example.

What the lender published

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. 2023 autos; term up to 72 months.

Checked Nov 10, 2026Source midflorida.com

with autopay

6.59%UsedUp to 75 months

Navigant Credit Union

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.

What the lender published

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. 2022-2023; advertised as up to 75 months.

Checked Nov 10, 2026Source navigantcu.org

Standard rate

6.49%UsedUp 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. Purchase rates are for model years 2024 and newer (may include late-model used). Advertised as up to 75 months.

Checked Nov 10, 2026Source sccu.com

Standard rate

6.49%UsedUp to 84 months

San Diego County Credit Union (SDCCU)

CA · AZ · NV

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

Minimum loan $25,000.

What the lender published

Used auto model years 2022-2027. 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

with autopay

6.34%UsedUp to 75 months

Navigant Credit Union

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.

What the lender published

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. 2024-2025; advertised as up to 75 months.

Checked Nov 10, 2026Source navigantcu.org

Standard rate

6.28%UsedUp to 60 months

Jovia Financial Federal Credit Union

NY

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

What the lender published

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

with autopay

6.24%UsedUp to 66 months

Navigant Credit Union

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.

What the lender published

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. 2022-2023; advertised as up to 66 months.

Checked Nov 10, 2026Source navigantcu.org

Standard rate

6.24%UsedUp to 66 months

Metro Credit Union

MA · NH

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

What the lender published

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.

Checked Nov 10, 2026Source metrocu.org

Show all 93 rates

The weekly five

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