Includes nationwide lenders and lenders whose published coverage lists North Carolina. A rate sheet that names another state only, or that calls out a separate sheet, stays off this page.
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
100 published rows, lowest APR first. Showing 12.
3.39%
TrueCar dealer only
as low as APR
Credit union · New · 36 months
Nationwide
What the lender published
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 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, 2026 · Source penfed.org
3.79%
TrueCar dealer only
as low as APR
Credit union · New · 48 months
Nationwide
What the lender published
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 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, 2026 · Source penfed.org
3.84%
TrueCar dealer only
as low as APR
Credit union · New · 60 months
Nationwide
What the lender published
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 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, 2026 · Source penfed.org
Credit union · Refinance · Term not listed
Nationwide
The source does not assign this APR to a term.
What the lender published
External auto loan refinance rates starting at 3.99% APR. Term not specified on the rate table.
Checked Nov 10, 2026 · Source servicecu.org
Credit union · New · 12–36 months
Nationwide
Published as 12–36 months, not as its own 36-month price.
What the lender published
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 12-36 months.
Checked Nov 10, 2026 · Source navyfederal.org
Credit union · New · 36 months
Nationwide
What the lender published
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 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, 2026 · Source penfed.org
Credit union · Refinance · 36 months
Nationwide
What the lender published
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 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 does not permit internal refinances of an existing PenFed auto loan.
Checked Nov 10, 2026 · Source penfed.org
4.34%
TrueCar dealer only
as low as APR
Credit union · Used · 36 months
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, 2026 · Source penfed.org
Credit union · New · 48 months
Nationwide
What the lender published
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 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, 2026 · Source penfed.org
Credit union · Refinance · 48 months
Nationwide
What the lender published
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 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 does not permit internal refinances of an existing PenFed auto loan.
Checked Nov 10, 2026 · Source penfed.org
Credit union · New · 60 months
Nationwide
What the lender published
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 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, 2026 · Source penfed.org
Credit union · Refinance · 60 months
Nationwide
What the lender published
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 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 does not permit internal refinances of an existing PenFed auto loan.
Checked Nov 10, 2026 · Source penfed.org
