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 lowest 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
3.49%and upUsed1–24 months
MSChecked Nov 11, 2026
Range up to 18.00% APR, subject to credit approval. Advertised as 1-24 months.
Checked Nov 11, 2026Source statewidefcu.org
3.74%and upUsedUp to 36 months
MSChecked Nov 11, 2026
New and used autos (used model years 2022-2025 at the stated rate). Based on credit score, term, model year, amount financed, and relationship pricing. Effective as of 8/19/2026. Advertised as up to 36 months.
Checked Nov 11, 2026Source srfcu.org
3.99%UsedUp to 63 months
ILChecked Nov 11, 2026
As-low-as APR. Rate shown for the lender's home area; yours may differ. Same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source glcu.org
3.99%and upUsedUp to 36 months
OKChecked Nov 11, 2026
Model years 2019-2022. Advertised as 0-36 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
Checked Nov 11, 2026Source weokie.org
3.99%UsedUp to 36 months
SCChecked Nov 11, 2026
Used cars and trucks up to 3 years old (model years 2023 and newer get the same rate as new). Advertised as up to 36 months. APR as low as; rate depends on credit, amount financed, and term.
Checked Nov 11, 2026Source palmettocitizens.org
3.99%UsedUp to 24 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 24 months.
Checked Nov 11, 2026Source mutualcu.org
3.99%UsedUp to 36 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 36 months.
Checked Nov 11, 2026Source mutualcu.org
4.14%UsedUp to 36 months
LAChecked Nov 11, 2026
Used auto loans. Advertised as up to 36 months. APR as low as. The 36-month rate allows a loan-to-value of up to 100%. Rates effective November 11, 2026.
Checked Nov 11, 2026Source pelicancu.com
4.19%UsedUp to 48 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 48 months.
Checked Nov 11, 2026Source mutualcu.org
4.35%UsedUp to 60 months
GAChecked Nov 11, 2026
Terms up to 60 months. Used autos 1-3 years old (2023-2026). APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.
Checked Nov 11, 2026Source robinsfcu.org
4.49%and upUsed12–36 months
ILChecked Nov 11, 2026
APR range 4.49%-14.49%. Listed as Used Automobiles; rate based on primary applicant's credit (2019 or older add 2%). Not valid on refinancing existing Abri auto loans. Advertised as 12-36 months.
Checked Nov 11, 2026Source abricu.com
4.49%UsedUp to 36 months
SCChecked Nov 11, 2026
Used autos. Advertised as up to 36 months. APR as low as; best available rate based on approved credit, and a minimum credit score applies.
Checked Nov 11, 2026Source cpmfed.com
4.49%UsedUp to 48 months
DEChecked Nov 11, 2026
Model years 2024-2027. Rates effective October 1, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source dexsta.com
4.50%UsedUp to 36 months
HIChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Pre-owned autos up to 5 years old. A 0.25% reduction is available with automatic payments. Effective November 11, 2026. Advertised as up to 36 months.
Checked Nov 11, 2026Source bigislandfcu.com
4.51%UsedUp to 36 months
NHChecked Nov 11, 2026
APR as low as. Advertised as up to 36 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. Used vehicles over 6 years old add 1.00%.
Checked Nov 11, 2026Source membersfirstnh.org
4.55%UsedUp to 36 months
NMChecked Nov 11, 2026
Current and two prior model years with 25,000 miles or less qualify for new-car rates. Advertised as up to 36 months.
Checked Nov 11, 2026Source gosunward.org
4.59%UsedUp to 60 months
GAChecked Nov 11, 2026
Terms up to 60 months. Used cars. APR as low as (range up to 14.89%); rates depend on creditworthiness and term.
Checked Nov 11, 2026Source deltacommunitycu.com
4.64%UsedUp to 48 months
NCChecked Nov 11, 2026
Terms up to 48 months. Model years 2022-2024. APR as low as for well-qualified applicants; varies with credit, amount financed, vehicle value, model year and mileage.
Checked Nov 11, 2026Source coastal24.com
4.69%Used1–36 months
NMChecked Nov 11, 2026
Model years 2023-2027, for excellent credit; effective 10/21/2026. Advertised as 1-36 months.
Checked Nov 11, 2026Source sandia.org
4.74%and upUsedUp to 72 months
ARChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
New and used autos; risk-based range up to 18.00% APR. A 0.25% automatic payment discount is available separately and is not included in these rates. Advertised as up to 72 months.
Checked Nov 11, 2026Source abfcu.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.