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

See all rates ↓
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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62 rates from 45 lenders · Used · 72m · Sorted by lowest APR

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62 rates

Standard rate

4.24%Used64–75 months

Great Lakes Credit Union

IL

Published as 64–75 months, not as its own 75-month price.

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 64-75 months.

Checked Nov 11, 2026Source glcu.org

with autopay

4.99%Used67–78 months

Workers Credit Union

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.

What the lender published

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 bucket; 67 to 78 months.

Checked Nov 10, 2026Source wcu.com

TrueCar dealer only

5.04%Used72 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

Standard rate

5.09%and upUsedUp to 84 months

Star One Credit Union

CA

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

What the lender published

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

Standard rate

5.24%Used67–75 months

Mission Federal Credit Union

CA

Published as 67–75 months, not as its own 75-month price.

What the lender published

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

Standard rate

5.24%and upUsedUp to 84 months

Rally Credit Union

TX

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

What the lender published

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

with autopay

5.29%and upUsed72 months

SchoolsFirst Federal Credit Union

CA

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

What the lender published

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

Standard rate

5.39%Used72 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.

Checked Nov 10, 2026Source penfed.org

Standard rate

5.44%UsedUp to 78 months

San Diego County Credit Union (SDCCU)

CA · AZ · NV

Published as Up to 78 months, not as a single monthly term.

Minimum loan $15,000.

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 $15,000 loan for terms over 66 months. Advertised as up to 78 months.

Checked Nov 11, 2026Source sdccu.com

with autopay

5.49%UsedUp to 72 months

Workers Credit Union

MA · NH

Published as Up to 72 months, not as a single monthly term.

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

What the lender published

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. Model years 2020-2017; up to 72 months.

Checked Nov 10, 2026Source wcu.com

Standard rate

5.49%UsedUp to 74 months

Eglin Federal Credit Union

FL

Published as Up to 74 months, not as a single monthly term.

What the lender published

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

utility employees and families only

5.49%Used61–72 months

Utilities Employees Credit Union (UECU)

PA

Published as 61–72 months, not as its own 72-month price.

What the lender published

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

with autopay

5.49%Used61–72 months

Consumers Credit Union (Illinois)

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.

What the lender published

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

Standard rate

5.49%and upUsed61–72 months

Abri Credit Union

IL

Published as 61–72 months, not as its own 72-month price.

What the lender published

APR range 5.49%-15.49%. Listed as Used Automobiles; rate based on primary applicant's credit (2019 or older add 2%). Not valid on refinancing existing Abri auto loans. Advertised as 61-72 months.

Checked Nov 11, 2026Source abricu.com

top credit tier

5.50%Used67–72 months

GECU Federal Credit Union

TX

Published as 67–72 months, not as its own 72-month price.

What the lender published

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

LTV 95% or less

5.59%and upUsed67–72 months

Patelco Credit Union

CA

Published as 67–72 months, not as its own 72-month price.

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. Advertised as 67 to 72 months.

Checked Nov 10, 2026Source patelco.org

military and families only

5.69%Used61–72 months

Navy Federal Credit Union

Nationwide

Published as 61–72 months, not as its own 72-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 61-72 months.

Checked Nov 10, 2026Source navyfederal.org

LTV under 70%

5.74%Used72 months

Affinity Plus Federal Credit Union

MN

What the lender published

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. Used auto, model years 2020-2025.

Checked Nov 10, 2026Source affinityplus.org

Standard rate

5.74%UsedUp to 84 months

Eglin Federal Credit Union

FL

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

Minimum loan $20,000.

What the lender published

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

Standard rate

5.80%and upUsed61–72 months

Missouri Central Credit Union

MO

Published as 61–72 months, not as its own 72-month price.

What the lender published

2023-2026 used vehicles. APR range 5.80%-14.99%. Max LTV 140%. Rates effective July 16, 2026. Advertised as 61-72 months.

Checked Nov 11, 2026Source mocentral.org

top credit tier

5.84%Used72 months

Police and Fire Federal Credit Union (PFFCU)

PA

Minimum loan $10,000.

What the lender published

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

Standard rate

5.84%UsedUp to 75 months

Together Credit Union

MO

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

Minimum loan $15,000.

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 75 months.

Checked Nov 11, 2026Source togethercu.org

Standard rate

5.89%and upUsed72 months

Credit Human

Nationwide

Minimum loan $7,500.

What the lender published

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 years 2021-2022; table shows term 24-72 months and rate 5.89-14.29%. Starting APR recorded; term recorded as the published maximum for this bucket. A more specific term for the 5.89% starting rate was not given.

Checked Nov 10, 2026Source credithuman.com

Standard rate

5.99%Used67–75 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. Used car loans (2024 and older), advertised as 67-75 months.

Checked Nov 10, 2026Source langleyfcu.org

Standard rate

5.99%Used72 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 2023-2026.

Checked Nov 10, 2026Source wavefcu.org

with autopay

5.99%UsedUp to 72 months

Workers Credit Union

MA · NH

Published as Up to 72 months, not as a single monthly term.

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

What the lender published

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. 2001 or older; up to 72 months.

Checked Nov 10, 2026Source wcu.com

Standard rate

5.99%Used64–72 months

Sharon Credit Union

MA · RI

Published as 64–72 months, not as its own 72-month price.

Minimum loan $15,000.

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 2022-2026. Advertised as 64-72 months. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.

Checked Nov 10, 2026Source scucu.com

with autopay

5.99%Used64–75 months

American Heritage Federal Credit Union

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.

What the lender published

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

Standard rate

6.04%Used64–75 months

Trumark Financial Credit Union

PA

Published as 64–75 months, not as its own 75-month price.

What the lender published

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

Standard rate

6.09%Used72 months

FAIRWINDS Credit Union

FL

What the lender published

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. 1% rate increase for vehicles 5 years or older. Advertised as 72 months.

Checked Nov 11, 2026Source fairwinds.org

Standard rate

6.14%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. 2024 autos; term up to 72 months.

Checked Nov 10, 2026Source midflorida.com

LTV 90% or less

6.14%Used64–75 months

PSECU

PA

Published as 64–75 months, not as its own 75-month price.

Minimum loan $4,000.

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 $4,000. Advertised as 64-75 months.

Checked Nov 11, 2026Source psecu.com

Standard rate

6.24%Used72 months

Idaho Central Credit Union

ID

What the lender published

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

Standard rate

6.24%Used67–84 months

Addition Financial Credit Union

FL

Published as 67–84 months, not as its own 84-month price.

What the lender published

Purchase only. 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

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

6.39%Used64–72 months

St. Louis Community Credit Union

MO

Published as 64–72 months, not as its own 72-month price.

What the lender published

2018-2024 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

Standard rate

6.49%Used72 months

Wings Financial Credit Union

Nationwide

What the lender published

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 years 2022-2020.

Checked Nov 10, 2026Source wingscu.com

Standard rate

6.49%Used67–75 months

Metro Credit Union

MA · NH

Published as 67–75 months, not as its own 75-month price.

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; 67 to 75 months.

Checked Nov 10, 2026Source metrocu.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

6.59%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

6.64%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

Standard rate

6.70%Used72 months

Andrews Federal Credit Union

Nationwide

Minimum loan $15,000.

What the lender published

As low as APR. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. 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

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

6.75%Used72 months

Capital One

Nationwide

What the lender published

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

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

6.99%Used72 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, 2023 and newer; only a 6-year term is shown in this table.

Checked Nov 10, 2026Source westerlyccu.com

Standard rate

6.99%Used64–72 months

Sharon Credit Union

MA · RI

Published as 64–72 months, not as its own 72-month price.

Minimum loan $15,000.

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 2019-2021. Advertised as 64-72 months. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.

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

with digital banking + autopay

7.04%Used72 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

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

7.24%Used67–75 months

Metro Credit Union

MA · NH

Published as 67–75 months, not as its own 75-month price.

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; 67 to 75 months.

Checked Nov 10, 2026Source metrocu.org

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

7.39%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

7.59%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

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

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

The weekly five

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