Terms of Service
Effective November 11, 2026
These Terms govern your use of JustAutoRates.com (the “Site”), run by Just Auto Rates (“we,” “us”). By using the Site you agree to them. If you don’t agree, please don’t use the Site.
1. Not a lender or loan broker
Just Auto Rates is not a bank, credit union, lender, or loan broker. We do not make loans, process applications, arrange financing, or guarantee rates. We are an independent comparison site that shows rates lenders publish on their own websites.
2. Rates are information, not offers
Rates shown are the lowest published “as low as” APRs we could verify on each lender’s site on the date shown. They are not offers or quotes. Your actual rate depends on factors such as your credit score, loan term, vehicle age, down payment, location, and membership eligibility. Some rates carry conditions (for example autopay or a specific dealer program), which we tag. Always verify the final APR and terms directly with the lender before you apply. Despite our weekly checks, rates can change or contain errors.
3. No financial advice
Nothing on the Site is financial, legal, or tax advice. Decide what’s right for you, and consider talking to a qualified professional.
4. Sponsored placements and lender links
Some placements are paid. They are always labeled “Sponsored” or “Featured lender,” and they never change which rates rank first; the board is sorted by the lowest published APR. Links to lenders and sponsors take you to third-party sites we don’t control, and their terms and privacy policies apply there. Sponsors pay for their labeled placements. If we ever earn a fee from a lender link, it will never affect rate ranking.
5. Submissions
If you submit a rate or a correction, you confirm it is accurate to the best of your knowledge and that you have the right to share it. Submissions are reviewed and may be edited, published, or declined at our discretion. Don’t include sensitive personal or account information.
6. Data, charts, and embeds
You may quote our stats and use our charts and embeds with attribution and a link to JustAutoRates.com, as described on our press page. You may not scrape the Site in bulk, resell our data, or present it as your own.
7. Acceptable use
Don’t misuse the Site: no attempts to disrupt it, gain unauthorized access, submit spam or false information, or use it for anything unlawful.
8. Intellectual property
The Site’s design, text, and compilation of data belong to Just Auto Rates. Lender names and trademarks belong to their owners and are used only to identify them.
9. Disclaimers
The Site is provided “as is” and “as available,” without warranties of any kind, including accuracy, completeness, or fitness for a particular purpose.
10. Limitation of liability
To the fullest extent the law allows, Just Auto Rates is not liable for any indirect, incidental, or consequential damages, or for any loss arising from your use of the Site, reliance on any rate, or dealings with any lender or sponsor.
11. Governing law
These Terms are governed by the laws of the United States and of the state where Just Auto Rates is based, without regard to conflict-of-law rules.
12. Changes and contact
We may update these Terms and will change the effective date above when we do. Continued use means you accept the updated Terms. Questions: legal@justautorates.com. See also our Privacy Policy.