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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96 rates from 56 lenders · Used · 60m · Sorted by lowest APR

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Showing 25 of 96 rates

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

promo ratetop credit tier

4.49%UsedUp 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

buying service dealer onlywith autopay

4.49%UsedUp to 60 months

Consumers Credit Union (Illinois)

IL

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

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

What the lender published

Includes a 0.50% discount for buying at a certified dealer through CCU's Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 0-60 months.

Checked Nov 11, 2026Source myconsumers.org

airline industry members only

4.59%UsedUp to 60 months

American Airlines Federal Credit Union

Nationwide

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

What the lender published

APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 60 months.

Checked Nov 11, 2026Source aacreditunion.org

with autopay

4.99%UsedUp to 66 months

Workers Credit Union

MA · NH

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

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. Bucket labeled New-2021 also covers 2021 used vehicles; up to 66 months.

Checked Nov 10, 2026Source wcu.com

TrueCar dealer only

4.99%Used60 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

4.99%Used49–66 months

Mission Federal Credit Union

CA

Published as 49–66 months, not as its own 66-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 49-66 months.

Checked Nov 11, 2026Source missionfed.com

Standard rate

4.99%UsedUp to 66 months

Eglin Federal Credit Union

FL

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

What the lender published

Vehicles up to 15 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 66 months.

Checked Nov 11, 2026Source eglinfcu.org

utility employees and families only

4.99%Used37–60 months

Utilities Employees Credit Union (UECU)

PA

Published as 37–60 months, not as its own 60-month price.

What the lender published

2022 and newer models (new or used). APR as low as. Rates effective 10/16/2026. Advertised as 37-60 months.

Checked Nov 11, 2026Source uecu.org

top credit tier

4.99%UsedUp to 66 months

CEFCU

IL

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

What the lender published

2024-2025 models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 66 months.

Checked Nov 11, 2026Source cefcu.com

with autopay

4.99%UsedUp to 60 months

Consumers Credit Union (Illinois)

IL

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

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 0-60 months.

Checked Nov 11, 2026Source myconsumers.org

Standard rate

4.99%and upUsed37–60 months

Abri Credit Union

IL

Published as 37–60 months, not as its own 60-month price.

What the lender published

APR range 4.99%-14.99%. 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 37-60 months.

Checked Nov 11, 2026Source abricu.com

with autopay

5.09%and upUsed60 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

5.09%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

top credit tier

5.14%Used49–66 months

University Federal Credit Union (UFCU)

TX

Published as 49–66 months, not as its own 66-month price.

What the lender published

Excellent credit tier rate (published tiers run to 17.20% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as 49-66 months.

Checked Nov 11, 2026Source ufcu.org

top credit tier

5.14%UsedUp to 60 months

CEFCU

IL

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

What the lender published

2022-2023 models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 60 months.

Checked Nov 11, 2026Source cefcu.com

Standard rate

5.19%UsedUp to 66 months

San Diego County Credit Union (SDCCU)

CA · AZ · NV

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

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. Advertised as up to 66 months.

Checked Nov 11, 2026Source sdccu.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

top credit tier

5.30%Used49–60 months

GECU Federal Credit Union

TX

Published as 49–60 months, not as its own 60-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. Advertised as 49-60 months.

Checked Nov 11, 2026Source gecu.com

Standard rate

5.30%and upUsed1–60 months

Missouri Central Credit Union

MO

Published as 1–60 months, not as its own 60-month price.

What the lender published

2023-2026 used vehicles (max 150k miles); APR range 5.30%-14.99% for 49-60 months (5.30%-13.99% up to 48). Max LTV 140%. Rates effective July 16, 2026. Advertised as 1-60 months.

Checked Nov 11, 2026Source mocentral.org

Standard rate

5.34%Used60 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

5.34%UsedUp to 63 months

Together Credit Union

MO

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

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 63 months.

Checked Nov 11, 2026Source togethercu.org

Show all 96 rates

The weekly five

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