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Best 12-month auto loan rates

Checked weeklyUpdated

Every loan you can get for 12 months, including ranges like 12–12 months.

Lowest match

3.49%

Standard rate

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.

Lowest standard rates

Top 4 of 223 standard rates

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108 rates from 67 lenders · Standard rates · New · 12m · Sorted by lowest 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 108 rates

As low asStandard rate

4.25%NewUp to 36 months

Big Island Federal Credit Union

HIChecked Nov 11, 2026

What the lender published

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

New autos. A 0.25% reduction is available with payroll deduction, transfer, or automatic payments. Effective November 11, 2026. Advertised as up to 36 months.

Checked Nov 11, 2026Source bigislandfcu.com

Calculate payment at 4.25% from Big Island Federal Credit UnionVisit lender ↗
Show all 108 rates

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.

Full methodology: how we check

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