Every loan you can get for 37 months, including ranges like 26–37 months.
Lowest match
3.99%
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.
Top 4 of 226 standard rates
7 rates from 4 lenders · Standard rates · Refi · 37m · 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.
7 rates
4.39%Refi37–48 months
NMChecked Nov 11, 2026
Auto refinance, for excellent credit; effective 10/21/2026. Advertised as 37-48 months.
Checked Nov 11, 2026Source sandia.org
4.49%Refi24–72 months
ARChecked Nov 11, 2026
Refinance, 2020 or newer with 100,000 miles or less. As low as on a 36-month term; terms 24 to 72 months.
Checked Nov 11, 2026Source telcoe.com
5.74%RefiUp to 48 months
FLChecked Nov 10, 2026
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 refinance interest rates (non-SCCU auto loans only); advertised as up to 48 months.
Checked Nov 10, 2026Source sccu.com
5.99%RefiUp 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 refinance interest rates (non-SCCU auto loans only); advertised as up to 66 months.
Checked Nov 10, 2026Source sccu.com
6.49%RefiUp 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 refinance interest rates (non-SCCU auto loans only); advertised as up to 75 months.
Checked Nov 10, 2026Source sccu.com
6.74%RefiUp 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 refinance interest rates (non-SCCU auto loans only); advertised as up to 84 months.
Checked Nov 10, 2026Source sccu.com
6.74%Refi24–84 months
FLChecked Nov 11, 2026
APR as low as, current as of 11/04/2026; based on vehicle year, underwriting and amount borrowed. A loan processing fee of 2% (min $30, max $85) applies and affects the APR. Advertised as 24-84 months.
Checked Nov 11, 2026Source additionfi.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.