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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279 rates from 80 lenders · Used · Sorted by highest APR

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Showing 25 of 279 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

with autopay

8.49%Used60 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, 2018-2020. Max LTV 100%.

Checked Nov 10, 2026Source westerlyccu.com

Standard rate

8.39%Used54 months

Rhode Island Credit Union

RI

What the lender published

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. Used auto, model year 2016; maximum term 54 months.

Checked Nov 10, 2026Source ricreditunion.org

promo rate

8.09%Used60-month payment example

Coastal1 Credit Union (formerly Pawtucket Credit Union)

RI · MA · CT

The source illustrates this APR with a payment example, not a full term table.

What the lender published

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: 2014-2016 used autos.

Checked Nov 10, 2026Source coastal1.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

Standard rate

7.89%Used66 months

Rhode Island Credit Union

RI

What the lender published

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. Used auto, model year 2017; maximum term 66 months.

Checked Nov 10, 2026Source ricreditunion.org

LTV 90% or less

7.79%Used85–96 months

PSECU

PA

Published as 85–96 months, not as its own 96-month price.

Minimum loan $12,000.

What the lender published

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

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

Standard rate

7.74%Used76–84 months

Metro Credit Union

MA · NH

Published as 76–84 months, not as its own 84-month price.

Minimum loan $20,000.

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. Eligible borrowers only; 76 to 84 months.

Checked Nov 10, 2026Source metrocu.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

with autopay

7.54%Used75 months

People's Credit Union

RI · MA · CT

What the lender published

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 2017-2019.

Checked Nov 10, 2026Source peoplescu.com

with digital banking + autopay

7.49%Used84 months

Connexus Credit Union

Nationwide

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

What the lender published

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. 2024 and older. Term limits: model years 2023-2024 max 84 months; 2020-2022 max 72 months; 2019 and older max 60 months.

Checked Nov 10, 2026Source connexuscu.org

promo rate

7.39%Used60-month payment example

Coastal1 Credit Union (formerly Pawtucket Credit Union)

RI · MA · CT

The source illustrates this APR with a payment example, not a full term table.

What the lender published

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: 2017-2019 used autos.

Checked Nov 10, 2026Source coastal1.org

Standard rate

7.39%Used66 months

Rhode Island Credit Union

RI

What the lender published

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. Used auto, model year 2018; maximum term 66 months.

Checked Nov 10, 2026Source ricreditunion.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

with autopay

7.30%UsedTerm not listed

Kinecta Federal Credit Union

CA · NY

The source does not assign this APR to a term.

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

What the lender published

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

Standard rate

7.29%Used36 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

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

military and families only

7.28%Used73–84 months

Navy Federal Credit Union

Nationwide

Published as 73–84 months, not as its own 84-month price.

What the lender published

As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 73-84 months.

Checked Nov 10, 2026Source navyfederal.org

Show all 279 rates

The weekly five

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