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Best 37-month auto loan rates

Checked weeklyUpdated

Every loan you can get for 37 months, including ranges like 26–37 months.

Lowest match

3.99%

Standard rate

Lenders tracked

301

Credit unions and banks

Credit unions average 5.11%, banks 6.89%.How these averages work: We took each lender’s lowest rate and averaged them: 132 credit unions, 5 banks.

Lowest standard rates

Top 4 of 226 standard rates

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106 rates from 69 lenders · Standard rates · New · 37m · 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.

Clear all

106 rates

As low asStandard rate

4.74%and upNewUp to 72 months

Arkansas Best Federal Credit Union

ARChecked Nov 11, 2026

What the lender published

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

Calculate payment at 4.74% from Arkansas Best Federal Credit UnionVisit lender ↗
As low asStandard rate

5.19%NewUp to 78 months

San Diego County Credit Union (SDCCU)

CA · AZ · NVChecked Nov 11, 2026

Minimum loan $15,000.

What the lender published

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 $15,000 loan for terms over 66 months. Advertised as up to 78 months.

Checked Nov 11, 2026Source sdccu.com

Calculate payment at 5.19% from San Diego County Credit Union (SDCCU)Visit lender ↗
As low asStandard rate

5.49%NewUp to 63 months

Sharon Credit Union

MA · RIChecked Nov 10, 2026

What the lender published

As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as up to 63 months.

Checked Nov 10, 2026Source scucu.com

Calculate payment at 5.49% from Sharon Credit UnionVisit lender ↗
As low asStandard rate

5.49%and upNewUp to 84 months

Arkansas Best Federal Credit Union

ARChecked Nov 11, 2026

What the lender published

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 84 months.

Checked Nov 11, 2026Source abfcu.org

Calculate payment at 5.49% from Arkansas Best Federal Credit UnionVisit lender ↗
As low asStandard rate

5.54%and upNew37–48 months

Sound Credit Union

WAChecked Nov 11, 2026

What the lender published

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

New autos, model year 2024 or newer. Advertised as 37-48 months; APR range 5.54%-18.00%. The page also offers a 0.25% discount for autopay from a Sound checking account; it does not say whether the listed rates include it.

Checked Nov 11, 2026Source soundcu.com

Calculate payment at 5.54% from Sound Credit UnionVisit lender ↗
As low asStandard rate

5.74%NewUp to 48 months

Space Coast Credit Union

FLChecked Nov 10, 2026

What the lender published

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 48 months.

Checked Nov 10, 2026Source sccu.com

Calculate payment at 5.74% from Space Coast Credit UnionVisit lender ↗
As low asStandard rate

5.89%NewUp to 72 months

MIDFLORIDA Credit Union

FLChecked Nov 10, 2026

What the lender published

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. 2025 and newer autos; term up to 72 months.

Checked Nov 10, 2026Source midflorida.com

Calculate payment at 5.89% from MIDFLORIDA Credit UnionVisit lender ↗
As low asStandard rate

5.99%NewUp to 66 months

Space Coast Credit Union

FLChecked Nov 10, 2026

Minimum loan $10,000.

What the lender published

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

Calculate payment at 5.99% from Space Coast Credit UnionVisit lender ↗
As low asStandard rate

6.12%and upNewUp to 84 months

Truist Bank

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.

What the lender published

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

Calculate payment at 6.12% from Truist BankVisit lender ↗
As low asStandard rate

6.19%NewUp to 84 months

San Diego County Credit Union (SDCCU)

CA · AZ · NVChecked Nov 11, 2026

Minimum loan $25,000.

What the lender published

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

Calculate payment at 6.19% from San Diego County Credit Union (SDCCU)Visit lender ↗
As low asStandard rate

6.24%NewUp to 66 months

Metro Credit Union

MA · NHChecked Nov 10, 2026

What the lender published

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

Calculate payment at 6.24% from Metro Credit UnionVisit lender ↗
As low asStandard rate

6.49%NewUp to 75 months

Space Coast Credit Union

FLChecked Nov 10, 2026

Minimum loan $12,000.

What the lender published

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

Calculate payment at 6.49% from Space Coast Credit UnionVisit lender ↗
As low asStandard rate

6.74%NewUp to 84 months

Space Coast Credit Union

FLChecked Nov 10, 2026

Minimum loan $20,000.

What the lender published

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

Calculate payment at 6.74% from Space Coast Credit UnionVisit lender ↗

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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