Monthly report · November 2026
Lowest Auto Loan Rates: November 2026
The lowest auto loan APR open to everyone in November 2026 was 3.39% (PenFed Credit Union). Credit unions averaged 5.19% vs 6.06% at banks, 0.87 points lower.
Built from 539 published rates across 82 lenders · rates checked through · snapshot taken Nov 11, 2026
Key numbers
Lowest for everyone
3.39%
PenFed Credit Union · nationwide, open eligibility
Lowest members-only
3.34%
American Airlines Federal Credit Union · airline industry members only
Avg credit union
5.19%
80 credit unions
Avg bank
6.06%
2 banks · credit unions 0.87 pts lower
Lowest rate by loan type
| New | BCU (Baxter Credit Union)Term not listed · Illinois · buying service dealer only | 3.09% |
| Used | First Community Credit Union (Houston)Up to 36 months · Texas · promo rate,with bundled discounts | 3.99% |
| Refi | First Community Credit Union (Houston)Up to 36 months · Texas · promo rate,with bundled discounts | 3.99% |
Lowest local rate by state
States where we track 5 or more rates from regional lenders (nationwide lenders excluded).
| State | Lender | APR |
|---|---|---|
| Illinois31 local rates | BCU (Baxter Credit Union)Term not listed · Illinois · buying service dealer only | 3.09% |
| Texas39 local rates | First Community Credit Union (Houston)Up to 36 months · Texas · promo rate,with bundled discounts | 3.99% |
| New York24 local rates | Broadview Federal Credit Union24 months · New York | 4.49% |
| California48 local rates | SchoolsFirst Federal Credit Union36 months · California · with autopay | 4.69% |
| Minnesota13 local rates | Affinity Plus Federal Credit Union36 months · Minnesota · LTV under 70% | 4.74% |
| Missouri43 local rates | Alltru Credit Union36 months · Missouri | 4.74% |
| Florida47 local rates | FAIRWINDS Credit Union36 months · Florida | 4.84% |
| Arizona8 local rates | San Diego County Credit Union (SDCCU)Up to 48 months · California, Arizona, Nevada | 4.89% |
| Nevada8 local rates | San Diego County Credit Union (SDCCU)Up to 48 months · California, Arizona, Nevada | 4.89% |
| Massachusetts90 local rates | Wave Federal Credit Union36 months · Rhode Island, Massachusetts | 4.99% |
| New Hampshire30 local rates | Workers Credit UnionUp to 66 months · Massachusetts, New Hampshire · with autopay | 4.99% |
| Rhode Island87 local rates | Wave Federal Credit Union36 months · Rhode Island, Massachusetts | 4.99% |
| Oregon6 local rates | BECU (Boeing Employees' Credit Union)60 months · Washington, Oregon · LTV 90% or less,promo rate | 5.39% |
| Connecticut32 local rates | People's Credit Union63 months · Rhode Island, Massachusetts, Connecticut · with autopay | 5.49% |
| Pennsylvania47 local rates | Clearview Federal Credit Union36 months · Pennsylvania · with checking account | 5.49% |
| Idaho6 local rates | Idaho Central Credit Union48 months · Idaho | 5.69% |
| Virginia15 local rates | Langley Federal Credit Union12–36 months · Virginia | 5.99% |
Charts
Free to use with attribution: “Source: JustAutoRates.com” with a link.
Methodology
Every figure comes from a lender’s own published rate page, which we check weekly; we record the lowest APR we can read and tag any condition (autopay, dealer-only, membership group). “Lowest for everyone” only counts nationwide lenders without eligibility limits. Credit union and bank averages use each lender’s lowest published APR. These are advertised “as low as” rates, not offers. How we check.
Cite this data
Free to quote and republish with attribution and a link. More copy-ready stats on the press page.
Suggested attribution
Source: JustAutoRates.com, “Lowest Auto Loan Rates: November 2026” (https://justautorates.com/reports/november-2026)
Attribution with link (HTML)
Source: <a href="https://justautorates.com/reports/november-2026">JustAutoRates.com, Lowest Auto Loan Rates: November 2026</a>
Permalink
https://justautorates.com/reports/november-2026
All monthly reports · Quick stat for Nov 2026: The lowest auto loan APR open to everyone in November 2026 was 3.39% (PenFed Credit Union). Credit unions averaged 5.19% vs 6.06% at banks, 0.87 points lower.