Every loan you can get for 12 months, including ranges like 12–12 months.
Lowest match
3.49%
Lenders tracked
301
Credit unions and banks
Credit unions average 4.94%, banks 6.89%.How these averages work: We took each lender’s lowest rate and averaged them: 128 credit unions, 5 banks.
Top 4 of 223 standard rates
108 rates from 67 lenders · Standard rates · New · 12m · Sorted by highest 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.
Showing 20 of 108 rates
7.25%NewUp to 84 months
NCChecked Nov 11, 2026
Terms up to 84 months. New car; APR 7.25% to 13.25% depending on credit. Rate reductions of 0.25%-0.50% may apply for qualifying relationships, EV/PHEV purchase or LTV under 90%. Effective October 1, 2026.
Checked Nov 11, 2026Source self-help.org
6.99%NewUp to 84 months
VTChecked Nov 11, 2026
Advertised as 7 years (up to 84 months). APR as low as. New/used car, truck, or motorcycle, model years 2020-2026. Rates effective March 2, 2026.
Checked Nov 11, 2026Source greenmountaincu.com
6.87%NewUp to 96 months
NJChecked Nov 11, 2026
New auto, advertised as up to 96 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
6.75%NewUp to 84 months
CTChecked Nov 11, 2026
One auto loan table for new and used vehicles. Vehicles must be registered in Connecticut. Advertised as up to 84 months.
Checked Nov 11, 2026Source achievefinancialcu.com
6.75%NewUp to 72 months
IAChecked Nov 11, 2026
As low as; assumes excellent credit (740+ score) and depends on loan-to-value and term. Advertised as up to 72 months for model years 2025 and newer.
Checked Nov 11, 2026Source hillsbank.com
6.74%NewUp to 84 months
FLChecked Nov 10, 2026
Minimum loan $20,000.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 84 months.
Checked Nov 10, 2026Source sccu.com
6.74%NewUp to 60 months
COChecked Nov 11, 2026
Auto loans; the page does not list separate new and used rates. Advertised as up to 60 months. APR as low as; based on credit history.
Checked Nov 11, 2026Source westerracu.com
6.49%NewUp to 75 months
FLChecked Nov 10, 2026
Minimum loan $12,000.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 75 months.
Checked Nov 10, 2026Source sccu.com
6.49%NewUp to 84 months
MOChecked Nov 11, 2026
Minimum loan $25,000.
Best rates; may be higher based on underwriting. Minimum loan $15,000 for 75 months and $25,000 for 84 months. Advertised as up to 84 months.
Checked Nov 11, 2026Source togethercu.org
6.39%NewUp to 84 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 84 months.
Checked Nov 11, 2026Source mutualcu.org
6.32%NewUp to 90 months
NHChecked Nov 11, 2026
Model year 2026 and newer. Rate as low as 6.25%. Rates effective November 11, 2026. Advertised as up to 90 months.
Checked Nov 11, 2026Source gscu.org
6.28%NewUp to 60 months
NYChecked Nov 11, 2026
Rate table for 2023-2027 model-year vehicles; based on credit history. Same APR for 12-60 months. Advertised as up to 60 months.
Checked Nov 11, 2026Source jovia.org
6.25%NewUp to 72 months
CTChecked Nov 11, 2026
One auto loan table for new and used vehicles. Vehicles must be registered in Connecticut. Advertised as up to 72 months.
Checked Nov 11, 2026Source achievefinancialcu.com
6.24%NewUp to 66 months
MA · NHChecked Nov 10, 2026
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; up to 66 months. Also listed as used for the same model years.
Checked Nov 10, 2026Source metrocu.org
6.19%NewUp to 84 months
CA · AZ · NVChecked Nov 11, 2026
Minimum loan $25,000.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Minimum $25,000 loan for terms over 78 months. Advertised as up to 84 months.
Checked Nov 11, 2026Source sdccu.com
6.14%NewUp to 72 months
MSChecked Nov 11, 2026
New auto, as low as. Rates vary with credit history, loan amount, and collateral. Current as of 10/01/26. Advertised as up to 72 months.
Checked Nov 11, 2026Source kfcu.org
6.12%and upNewUp to 84 months
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.
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
6.09%NewUp to 84 months
NJChecked Nov 11, 2026
New auto, advertised as up to 84 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
5.99%New12–36 months
VAChecked Nov 10, 2026
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 12-36 months.
Checked Nov 10, 2026Source langleyfcu.org
5.99%NewUp to 66 months
FLChecked Nov 10, 2026
Minimum loan $10,000.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 66 months.
Checked Nov 10, 2026Source sccu.com
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.
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.
Every rate comes from the lender’s own website, and we show the date we last checked it.
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.
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.”
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.
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.
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.
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.