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
109 rates from 66 lenders · Standard rates · Used · 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 109 rates
8.39%UsedUp to 54 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2016; maximum term 54 months.
Checked Nov 10, 2026Source ricreditunion.org
8.00%UsedUp to 84 months
NCChecked Nov 11, 2026
Terms up to 84 months. Used car under 100,000 miles; APR 8.00% to 14.00% depending on credit. Rate reductions of 0.25%-0.50% may apply. Effective October 1, 2026.
Checked Nov 11, 2026Source self-help.org
7.99%UsedUp 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. Used 2017-2018; up to 66 months.
Checked Nov 10, 2026Source metrocu.org
7.89%UsedUp to 66 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2017; maximum term 66 months.
Checked Nov 10, 2026Source ricreditunion.org
7.39%UsedUp to 66 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2018; maximum term 66 months.
Checked Nov 10, 2026Source ricreditunion.org
7.39%UsedUp to 72 months
FLChecked Nov 10, 2026
Rates effective as of November 1, 2026. As low as APR. Rates based on credit score. Rates differ for first-time buyers or if a co-signer is required. Other rates and terms available for vehicles not listed. Payment example: a 72-month loan of $30,000 with an interest rate of 5.74% and APR of 5.89% would have monthly payments of $493.50. 2022 and 2021 autos; term up to 72 months.
Checked Nov 10, 2026Source midflorida.com
7.25%UsedUp to 60 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 60 months for model years 2021-2024.
Checked Nov 11, 2026Source hillsbank.com
6.99%UsedUp to 60 months
MA · RIChecked Nov 10, 2026
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2016-2018. Advertised as up to 60 months.
Checked Nov 10, 2026Source scucu.com
6.99%UsedUp 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
6.99%UsedUp to 60 months
KSChecked Nov 11, 2026
Used auto loans: model years 2016-2026 with more than 30,000 miles. Rates as of 9/18/2026. Advertised as up to 60 months.
Checked Nov 11, 2026Source campuscu.org
6.89%UsedUp to 66 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2019; maximum term 66 months.
Checked Nov 10, 2026Source ricreditunion.org
6.84%UsedUp 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
6.74%UsedUp 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. Used 2019-2021; up to 66 months.
Checked Nov 10, 2026Source metrocu.org
6.74%UsedUp 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. Purchase rates are for model years 2024 and newer (may include late-model used). Advertised as up to 84 months.
Checked Nov 10, 2026Source sccu.com
6.64%UsedUp to 72 months
FLChecked Nov 10, 2026
Rates effective as of November 1, 2026. As low as APR. Rates based on credit score. Rates differ for first-time buyers or if a co-signer is required. Other rates and terms available for vehicles not listed. Payment example: a 72-month loan of $30,000 with an interest rate of 5.74% and APR of 5.89% would have monthly payments of $493.50. 2023 autos; term up to 72 months.
Checked Nov 10, 2026Source midflorida.com
6.49%UsedUp 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. Purchase rates are for model years 2024 and newer (may include late-model used). Advertised as up to 75 months.
Checked Nov 10, 2026Source sccu.com
6.49%UsedUp to 84 months
CA · AZ · NVChecked Nov 11, 2026
Minimum loan $25,000.
Used auto model years 2022-2027. 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
6.49%UsedUp to 48 months
FL · GAChecked Nov 11, 2026
Terms up to 48 months. Used Cars (model years 2011-2024). APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
6.44%UsedUp to 48 months
SCChecked Nov 11, 2026
Used cars and trucks 4-5 years old. Advertised as up to 48 months. APR as low as.
Checked Nov 11, 2026Source palmettocitizens.org
6.44%UsedUp to 72 months
SCChecked Nov 11, 2026
Used cars and trucks 4-5 years old. Advertised as up to 72 months. APR as low as.
Checked Nov 11, 2026Source palmettocitizens.org
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.