Search and filter published auto loan rates by state, loan type, and term. Each rate links to the lender’s own page and shows when we last checked it.
1,748 rates
1,748 rates
1,748 rates · lowest APR first
Search & filter rates
1,748 rates from 291 lenders · Open to most borrowers · Sorted by lowest APR
Lenders often give one rate for a range of terms. “37–60 months” means the rate covers any term in that range, and “Up to 48 months” covers terms up to 48. “Term not listed” means the lender didn’t tie the rate to a term.
Examples assume $25,000 financed, fixed APR, $0 down, no fees.
Example: $25,000 financed for 24 months at 3.49% APR. Estimated payment: $1,080/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 24 months at 3.49% APR. Estimated payment: $1,080/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 48 months at 3.75% APR. Estimated payment: $562/mo
Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Promo ratePromo rate: A promotional rate the lender may end at any time. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.84% APR. Estimated payment: $737/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.99% APR. Estimated payment: $738/mo
Promo ratePromo rate: A promotional rate the lender may end at any time. Your rate still depends on creditworthiness, term, and eligibility.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.99% APR. Estimated payment: $738/mo
Promo ratePromo rate: A promotional rate the lender may end at any time. Your rate still depends on creditworthiness, term, and eligibility.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.99% APR. Estimated payment: $738/mo
Promo ratePromo rate: A promotional rate the lender may end at any time. Your rate still depends on creditworthiness, term, and eligibility.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 63 months at 3.99% APR. Estimated payment: $441/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 63 months at 3.99% APR. Estimated payment: $441/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 48 months at 3.99% APR. Estimated payment: $565/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 24 months at 3.99% APR. Estimated payment: $1,086/mo
Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 24 months at 3.99% APR. Estimated payment: $1,086/mo
Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.99% APR. Estimated payment: $738/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 24 months at 3.49% APR. Estimated payment: $1,080/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 24 months at 3.49% APR. Estimated payment: $1,080/mo
AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.74% APR. Estimated payment: $736/mo
Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Promo ratePromo rate: A promotional rate the lender may end at any time. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 48 months at 3.75% APR. Estimated payment: $562/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.84% APR. Estimated payment: $737/mo
LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.
Promo ratePromo rate: A promotional rate the lender may end at any time. Your rate still depends on creditworthiness, term, and eligibility.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.99% APR. Estimated payment: $738/mo
Promo ratePromo rate: A promotional rate the lender may end at any time. Your rate still depends on creditworthiness, term, and eligibility.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.99% APR. Estimated payment: $738/mo
Promo ratePromo rate: A promotional rate the lender may end at any time. Your rate still depends on creditworthiness, term, and eligibility.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.99% APR. Estimated payment: $738/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 63 months at 3.99% APR. Estimated payment: $441/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 63 months at 3.99% APR. Estimated payment: $441/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 48 months at 3.99% APR. Estimated payment: $565/mo
Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 24 months at 3.99% APR. Estimated payment: $1,086/mo
Bundled discountsBundled discounts: The published rate includes bundled relationship discounts. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 24 months at 3.99% APR. Estimated payment: $1,086/mo
No autopay or deposit listedNo autopay or deposit listed: The lender lists no autopay or direct deposit requirement. Your rate still depends on creditworthiness, term, and eligibility.
Example: $25,000 financed for 36 months at 3.99% APR. Estimated payment: $738/mo
Credit union membership: Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying.
How Our Rate Board Works
Every rate comes from the lender’s own website. Sponsored spots are labeled and never change the order.
Every rate comes from the lender’s own website, and we show the date we last checked it.
“As low as” rates›
Rates labeled “As low as” represent the lender’s minimum advertised rate. They are not guaranteed offers of credit. Final APRs, loan terms, and approval depend on individual factors including credit score, vehicle age, loan amount, and underwriting approval.
Preserved loan terms›
If a lender publishes a term range (e.g., “37–60 months” or “up to 65 months”), we show that exact range rather than rounding it to a single 60-month figure. Payment figures are always labeled as estimates. When a lender doesn’t name a term, we say “Term not listed.”
Buying-service rates›
Some lenders publish lower rates that only apply when you buy through their car-buying program (for example, a TrueCar-powered service) from a participating dealer. These rates are tagged, and we aren’t affiliated with these programs or their dealers.
Credit union membership›
Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying. Rates limited to a specific group, such as military families or employees, carry a tag naming who is eligible and are kept out of the nationwide lowest-rate figures.
Sorting & sponsorships›
Rates are sorted from the lowest advertised APR up. Featured sponsor placements are clearly labeled as sponsored content and do not alter or inflate the natural sorting order of organic lender listings.
Disclaimer & independence›
JustAutoRates is an independent informational publisher, not a lender or credit broker. Lender names, logos, and trademarks belong to their respective owners. Rates are subject to change by lenders at any time without notice. We may receive compensation from partners or featured sponsors on this page.
