JustAutoRates

Current Auto Loan Rates in West Virginia

Checked weeklyUpdated

Nationwide offers plus lenders whose published coverage includes West Virginia.

Lowest match

3.39%

Buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.

Lenders tracked

232

Credit unions and banks

Credit unions average 4.80%, banks 6.70%.How these averages work: We took each lender’s lowest rate and averaged them: 11 credit unions, 6 banks.

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53 rates from 17 lenders · West Virginia · New · Sorted by highest APR

About loan terms

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.

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Showing 20 of 53 rates

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.

9.99%NewTerm not listed

LightStream

NationwideChecked Nov 11, 2026

What the lender published

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

Term not assigned to the as-low-as APR (LightStream loan terms range 24-240 months). Dealer purchase. Excellent credit required; rates without AutoPay are 0.50 points higher. Range 9.99%-17.74% APR with AutoPay. LightStream is a division of Truist Bank.

Checked Nov 11, 2026Source lightstream.com

Calculate payment at 9.99% from LightStreamVisit lender ↗
As low asMilitary & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.

7.69%New85–96 months

Navy Federal Credit Union

NationwideChecked Nov 11, 2026

Minimum loan $30,000.

What the lender published

As low as; excellent credit assumed. Rates as of Nov 11, 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 85-96 months. Minimum loan amount is $30,000 for terms of 84-96 months.

Checked Nov 11, 2026Source navyfederal.org

Calculate payment at 7.69% from Navy Federal Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

7.24%NewUp to 84 months

Digital Federal Credit Union (DCU)

NationwideChecked Nov 11, 2026

What the lender published

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

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 84 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 7.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asAutopay + digitalAutopay + digital: The published rate assumes autopay and digital banking discounts.

7.19%New84 months

Connexus Credit Union

NationwideChecked Nov 10, 2026

What the lender published

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

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. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.

Checked Nov 10, 2026Source connexuscu.org

Calculate payment at 7.19% from Connexus Credit UnionVisit lender ↗
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.

6.81%NewUp to 60 months

U.S. Bank

NationwideChecked Nov 11, 2026

What the lender published

Advertised as up to 60 months. Auto financing pre-approval for participating dealers. Lowest APR requires a term of 60 months or less, credit score 800+, a vehicle less than 1 year old, a loan of $40,000+, LTV of 111%-115.99%, and purchase from a dealer in MN; fees in some states (e.g. OH, IN) raise the APR.

Checked Nov 11, 2026Source usbank.com

Calculate payment at 6.81% from U.S. BankVisit lender ↗
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

6.79%NewUp to 48 months

M&T Bank

CT · DC · DE · MA · MD · ME · NH · NJ · NY · PA · VA · VT · WVChecked Nov 11, 2026

What the lender published

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

Terms up to 48 months. Lowest APR requires model year 2025 or newer, an M&T MyChoice Premium or Power Checking account, and automatic payments from an M&T checking account. Range 6.79%-15.69% APR; effective 10/15/26.

Checked Nov 11, 2026Source mtb.com

Calculate payment at 6.79% from M&T BankVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

6.34%New60 months

Alliant Credit Union

NationwideChecked Nov 10, 2026

What the lender published

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

As low as; advertised rates include automatic payment (0.4% higher without autopay). Financing available in all 50 states. Rates 1% higher when refinancing an existing Alliant loan. Page shows 60-month terms only for autos. Standard new vehicle rate (not Tesla).

Checked Nov 10, 2026Source alliantcreditunion.org

Calculate payment at 6.34% from Alliant Credit UnionVisit lender ↗
As low asAutopay + digitalAutopay + digital: The published rate assumes autopay and digital banking discounts.

6.34%New72 months

Connexus Credit Union

NationwideChecked Nov 10, 2026

What the lender published

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

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. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.

Checked Nov 10, 2026Source connexuscu.org

Calculate payment at 6.34% from Connexus Credit UnionVisit lender ↗
As low asMilitary & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.

6.29%New73–84 months

Navy Federal Credit Union

NationwideChecked Nov 11, 2026

What the lender published

As low as; excellent credit assumed. Rates as of Nov 11, 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 73-84 months. Lender says 84-month terms need a $30,000 minimum loan.

Checked Nov 11, 2026Source navyfederal.org

Calculate payment at 6.29% from Navy Federal Credit UnionVisit lender ↗
As low asStandard rate

6.24%New84 months

Wings Financial Credit Union

NationwideChecked Nov 10, 2026

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; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.

Checked Nov 10, 2026Source wingscu.com

Calculate payment at 6.24% from Wings Financial Credit UnionVisit lender ↗
As low asStandard rate

6.17%New84 months

Andrews Federal Credit Union

NationwideChecked Nov 10, 2026

Minimum loan $20,000.

What the lender published

As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. 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

Calculate payment at 6.17% from Andrews Federal Credit UnionVisit lender ↗
As low asStandard rate

6.14%New60 months

Capital One

NationwideChecked Nov 10, 2026

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

Calculate payment at 6.14% from Capital OneVisit lender ↗
As low asStandard rate

6.12%and upNewUp to 84 months

Truist Bank

AL · AR · DC · FL · GA · IN · KY · MD · MS · NJ · NC · OH · PA · SC · TN · TX · VA · WVChecked Nov 10, 2026

Minimum loan $3,500.

What the lender published

Official new-car loan page: fixed rates from 6.12% to 12.11% APR. Terms up to 84 months. Excellent credit required for lowest rates. Loan amounts $3,500 to $400,000. Available in branches in AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. No term-specific rate table was published; the term shown is the stated maximum (84 months) and the 6.12% figure is the published low end of the range, not a confirmed 84-month rate. A comparison example uses 6.44% APR for 84 months on $25,000, which we don't list as a separate rate. 30-day rate lock after approval.

Checked Nov 10, 2026Source truist.com

Calculate payment at 6.12% from Truist BankVisit lender ↗
As low asAutopay + digitalAutopay + digital: The published rate assumes autopay and digital banking discounts.

6.04%New60 months

Connexus Credit Union

NationwideChecked Nov 10, 2026

What the lender published

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

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. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.

Checked Nov 10, 2026Source connexuscu.org

Calculate payment at 6.04% from Connexus Credit UnionVisit lender ↗
As low asStandard rate

6.02%New72 months

Andrews Federal Credit Union

NationwideChecked Nov 10, 2026

Minimum loan $15,000.

What the lender published

As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. 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

Calculate payment at 6.02% from Andrews Federal Credit UnionVisit lender ↗
As low asStandard rate

6.00%New72 months

Capital One

NationwideChecked Nov 10, 2026

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

Calculate payment at 6.00% from Capital OneVisit lender ↗
As low asTesla onlyTesla only: This rate applies only to Tesla vehicles.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.99%New60 months

Alliant Credit Union

NationwideChecked Nov 10, 2026

What the lender published

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

As low as; advertised rates include automatic payment (0.4% higher without autopay). Financing available in all 50 states. Rates 1% higher when refinancing an existing Alliant loan. Page shows 60-month terms only for autos. Tesla new vehicle rate. Disclosure also cites a 6.24% APR 84-month Tesla example, which was not used as a separate published term rate.

Checked Nov 10, 2026Source alliantcreditunion.org

Calculate payment at 5.99% from Alliant Credit UnionVisit lender ↗
As low asStandard rate

5.99%New66 months

Wings Financial Credit Union

NationwideChecked Nov 10, 2026

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; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.

Checked Nov 10, 2026Source wingscu.com

Calculate payment at 5.99% from Wings Financial Credit UnionVisit lender ↗
As low asStandard rate

5.99%New72 months

Wings Financial Credit Union

NationwideChecked Nov 10, 2026

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; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.

Checked Nov 10, 2026Source wingscu.com

Calculate payment at 5.99% from Wings Financial Credit UnionVisit lender ↗
Show all 53 rates

Estimate your payment

Full calculator with taxes, fees & trade-in ›

Using PenFed Credit Union’s as-low-as APR; your rate depends on credit.

Estimated monthly payment

$544.28

About $2,657 estimated total interest

Estimate only. This calculator is for illustration and is not a loan offer or approval. Your actual APR, payment, taxes, and fees depend on your credit, the vehicle, the lender, and your state. Confirm all figures with your lender and dealer. Sales tax, trade-in tax credits, fees, and registration costs vary by state. Check your own state’s rules.

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 and is the lowest APR it advertises, so yours depends on your credit, vehicle, and term. Sponsored spots are labeled and never change the order.

  • Straight from the lender

    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 “Lowest for everyone” figure.

  • 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.

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