Every loan you can get for 39 months, including ranges like 28–39 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: 131 credit unions, 5 banks.
Top 4 of 226 standard rates
226 rates from 75 lenders · Standard rates · 39m · 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.
226 rates
3.99%NewUp 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%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%NewUp to 48 months
NCChecked Nov 11, 2026
Terms up to 48 months. Model years 2025-2027. 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
3.99%NewUp to 84 months
ARChecked Nov 11, 2026
New auto, 2026 or newer with 10,000 miles or less. As low as on a 36-month term; terms up to 84 months.
Checked Nov 11, 2026Source telcoe.com
3.99%and upNew37–48 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 37-48 months.
Checked Nov 11, 2026Source srfcu.org
3.99%and upUsed37–48 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 37-48 months.
Checked Nov 11, 2026Source srfcu.org
3.99%NewUp to 48 months
NDChecked Nov 11, 2026
New, never-titled vehicles. Loan rates for October 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source ffe-fcu.org
3.99%NewUp to 60 months
NDChecked Nov 11, 2026
New, never-titled vehicles. Loan rates for October 2026. Advertised as up to 60 months.
Checked Nov 11, 2026Source ffe-fcu.org
3.99%NewUp to 72 months
NDChecked Nov 11, 2026
New, never-titled vehicles. Loan rates for October 2026. Advertised as up to 72 months.
Checked Nov 11, 2026Source ffe-fcu.org
4.10%NewUp to 60 months
GAChecked Nov 11, 2026
Terms up to 60 months. New/current-year autos (2026, under 15,000 miles). 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
4.19%NewUp 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
4.19%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
4.24%Used24–60 months
ARChecked Nov 11, 2026
Used auto, 2020 or newer with 100,000 miles or less. As low as on a 36-month term; terms 24 to 60 months.
Checked Nov 11, 2026Source telcoe.com
4.29%NewUp to 60 months
GAChecked Nov 11, 2026
Terms up to 60 months. New cars. APR as low as (range up to 14.59%); rates depend on creditworthiness and term.
Checked Nov 11, 2026Source deltacommunitycu.com
4.34%New37–75 months
ILChecked Nov 11, 2026
APR as low as, 2025 and newer models. Advertised as 37-75 months.
Checked Nov 11, 2026Source bcu.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
4.39%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%New37–60 months
SCChecked Nov 11, 2026
New autos (current or previous model year with under 18,000 miles). Advertised as 37-60 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%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
4.49%NewUp 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
4.49%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
4.59%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
4.64%NewUp to 60 months
IAChecked Nov 11, 2026
Standard APR (no loyalty discount) for model years 2024-2026. Advertised as up to 60 months.
Checked Nov 11, 2026Source collinscu.org
4.69%Used37–60 months
SCChecked Nov 11, 2026
Used autos. Advertised as 37-60 months. APR as low as; best available rate based on approved credit, and a minimum credit score applies.
Checked Nov 11, 2026Source cpmfed.com
4.69%and upNew37–48 months
MSChecked Nov 11, 2026
Range up to 18.00% APR, subject to credit approval. Advertised as 37-48 months.
Checked Nov 11, 2026Source statewidefcu.org
4.69%and upUsed37–48 months
MSChecked Nov 11, 2026
Range up to 18.00% APR, subject to credit approval. Advertised as 37-48 months.
Checked Nov 11, 2026Source statewidefcu.org
4.74%and upNewUp 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
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
4.89%NewUp to 48 months
CA · AZ · NVChecked Nov 11, 2026
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source sdccu.com
4.89%NewUp to 66 months
CA · AZ · NVChecked Nov 11, 2026
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source sdccu.com
4.89%NewUp to 42 months
NHChecked Nov 11, 2026
New auto: current or upcoming model year (2026 and newer) with under 6,000 miles. Rate as low as 4.75%; APR 4.89%. Rates effective November 11, 2026. Advertised as up to 42 months.
Checked Nov 11, 2026Source gscu.org
4.89%UsedUp to 42 months
NHChecked Nov 11, 2026
Used auto, model year 2019 and newer. Rate as low as 4.75%; APR 4.89%. Rates effective November 11, 2026. Advertised as up to 42 months.
Checked Nov 11, 2026Source gscu.org
4.89%New37–48 months
NMChecked Nov 11, 2026
Current and two prior model years with 25,000 miles or less qualify for new-car rates. Advertised as 37-48 months.
Checked Nov 11, 2026Source gosunward.org
4.89%Used37–48 months
NMChecked Nov 11, 2026
Current and two prior model years with 25,000 miles or less qualify for new-car rates. Advertised as 37-48 months.
Checked Nov 11, 2026Source gosunward.org
4.90%New37–60 months
NHChecked Nov 11, 2026
APR as low as. Advertised as 37-60 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. New auto is a current-year vehicle with no more than 6,000 miles.
Checked Nov 11, 2026Source membersfirstnh.org
4.90%Used37–60 months
NHChecked Nov 11, 2026
APR as low as. Advertised as 37-60 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
4.99%New37–48 months
CAChecked Nov 11, 2026
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 37-48 months.
Checked Nov 11, 2026Source missionfed.com
4.99%Used37–48 months
CAChecked Nov 11, 2026
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 37-48 months.
Checked Nov 11, 2026Source missionfed.com
4.99%NewUp to 66 months
FLChecked Nov 11, 2026
Vehicles up to 15 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source eglinfcu.org
4.99%UsedUp to 66 months
FLChecked Nov 11, 2026
Vehicles up to 15 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source eglinfcu.org
4.99%and upUsed37–60 months
ILChecked Nov 11, 2026
APR range 4.99%-14.99%. 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 37-60 months.
Checked Nov 11, 2026Source abricu.com
4.99%NewUp to 63 months
MOChecked Nov 11, 2026
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 63 months.
Checked Nov 11, 2026Source togethercu.org
4.99%NewUp to 63 months
OHChecked Nov 11, 2026
Terms up to 63 months. Auto loans for model year 2023 or newer (new or used). APR as low as; rates based on creditworthiness, loan amount, term and vehicle age.
Checked Nov 11, 2026Source wpcu.coop
4.99%New1–48 months
VAChecked Nov 11, 2026
New or used vehicles, model years 2021-2026. Advertised as 1-48 months. APR as low as; rates depend on credit history.
Checked Nov 11, 2026Source abnbfcu.org
4.99%Used1–48 months
VAChecked Nov 11, 2026
New or used vehicles, model years 2021-2026. Advertised as 1-48 months. APR as low as; rates depend on credit history.
Checked Nov 11, 2026Source abnbfcu.org
4.99%New37–48 months
SC · GAChecked Nov 11, 2026
New vehicles, model year 2024 or newer. Advertised as 37-48 months. APR as low as. Rates as of November 1, 2026.
Checked Nov 11, 2026Source srpfcu.org
4.99%Used37–48 months
SC · GAChecked Nov 11, 2026
Used vehicles, model years 2020-2023. Advertised as 37-48 months. APR as low as. Rates as of November 1, 2026.
Checked Nov 11, 2026Source srpfcu.org
4.99%and upNew36–60 months
ORChecked Nov 11, 2026
Cars, trucks, and vans, model year 2023 and newer. Advertised as 36-60 months. APR range 4.99%-9.44%; subject to credit approval. Rates effective November 10, 2026.
Checked Nov 11, 2026Source onpointcu.com
4.99%NewUp to 96 months
NVChecked Nov 11, 2026
New autos, model years 2026-2027. Advertised as up to 96 months. Rates effective November 1, 2026.
Checked Nov 11, 2026Source boulderdamcu.org
4.99%UsedUp to 84 months
NVChecked Nov 11, 2026
Used autos, model year 2026 or older. Advertised as up to 84 months. Rates effective November 1, 2026.
Checked Nov 11, 2026Source boulderdamcu.org
4.99%NewUp to 60 months
UTChecked Nov 11, 2026
Listed under New Vehicles. A separate 0.25% loyalty discount is available and is not included in these rates. Advertised as up to 60 months for model years 2017-2026.
Checked Nov 11, 2026Source alpinecu.com
4.99%UsedUp to 60 months
IAChecked Nov 11, 2026
Standard APR (no loyalty discount) for model years 2021-2023. Advertised as up to 60 months.
Checked Nov 11, 2026Source collinscu.org
4.99%Used24–60 months
IA · ILChecked Nov 11, 2026
As low as; effective 11/11/2026. Range shown by the lender: 4.99%-5.24%. Advertised as 24-60 months for model years 2022-2023.
Checked Nov 11, 2026Source ascentra.org
4.99%NewUp to 60 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 60 months.
Checked Nov 11, 2026Source mutualcu.org
4.99%UsedUp to 60 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 60 months.
Checked Nov 11, 2026Source mutualcu.org
4.99%NewUp to 48 months
NEChecked Nov 11, 2026
Standard APR for new 2026 and new or used 2025 (same rates for used 2023-2024). Rates effective July 21, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source cobaltcu.com
4.99%UsedUp to 48 months
NEChecked Nov 11, 2026
Standard APR for new 2026 and new or used 2025 (same rates for used 2023-2024). Rates effective July 21, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source cobaltcu.com
4.99%UsedUp to 48 months
NDChecked Nov 11, 2026
Used vehicles, model years 2022-2025. Loan rates for October 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source ffe-fcu.org
4.99%UsedUp to 60 months
NDChecked Nov 11, 2026
Used vehicles, model years 2022-2025. Loan rates for October 2026. Advertised as up to 60 months.
Checked Nov 11, 2026Source ffe-fcu.org
5.00%NewUp to 72 months
GAChecked Nov 11, 2026
Terms up to 72 months. New/current-year autos (2026, under 15,000 miles). 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
5.00%Used1–48 months
NEChecked Nov 11, 2026
Used vehicles, model years 2021-2025; effective November 1, 2026. Advertised as 1-48 months.
Checked Nov 11, 2026Source omahadouglasfcu.org
5.00%NewUp to 39 months
WVChecked Nov 11, 2026
Models 2024 and newer. Rates effective October 13, 2026. Advertised as 0-39 months.
Checked Nov 11, 2026Source memberschoicewv.com
5.00%UsedUp to 39 months
WVChecked Nov 11, 2026
Models 2024 and newer. Rates effective October 13, 2026. Advertised as 0-39 months.
Checked Nov 11, 2026Source memberschoicewv.com
5.04%New37–48 months
VA · DCChecked Nov 11, 2026
New cars, 2025 models and newer. Effective October 6, 2026. Advertised as 37-48 months.
Checked Nov 11, 2026Source cofcu.org
5.05%New24–66 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 24-66 months.
Checked Nov 11, 2026Source additionfi.com
5.09%and upNewUp to 84 months
CAChecked Nov 11, 2026
Fixed APR range 5.09%-9.09% based on credit qualification; same rate for 3- to 7-year terms. Promotional rates do not apply to refinancing existing Star One loans. Advertised as up to 84 months.
Checked Nov 11, 2026Source starone.org
5.09%and upUsedUp to 84 months
CAChecked Nov 11, 2026
Fixed APR range 5.09%-9.09% based on credit qualification; same rate for 3- to 7-year terms. Promotional rates do not apply to refinancing existing Star One loans. Advertised as up to 84 months.
Checked Nov 11, 2026Source starone.org
5.09%New37–48 months
NMChecked Nov 11, 2026
Model years 2023-2027, for excellent credit; effective 10/21/2026. Advertised as 37-48 months.
Checked Nov 11, 2026Source sandia.org
5.09%Used37–48 months
NMChecked Nov 11, 2026
Model years 2023-2027, for excellent credit; effective 10/21/2026. Advertised as 37-48 months.
Checked Nov 11, 2026Source sandia.org
5.11%NewUp to 54 months
NHChecked Nov 11, 2026
Model year 2026 and newer. Rate as low as 5.00%. Rates effective November 11, 2026. Advertised as up to 54 months.
Checked Nov 11, 2026Source gscu.org
5.14%NewUp to 48 months
MSChecked Nov 11, 2026
New auto, as low as. Rates vary with credit history, loan amount, and collateral. Current as of 10/01/26. Advertised as up to 48 months.
Checked Nov 11, 2026Source kfcu.org
5.15%NewUp to 96 months
ID · WAChecked Nov 11, 2026
New or used autos; terms up to 96 months. Higher rates for vehicles over 100,000 miles or more than 6 years old. Effective 09/23/2026. Advertised as 60 months.
Checked Nov 11, 2026Source p1fcu.org
5.15%UsedUp to 96 months
ID · WAChecked Nov 11, 2026
New or used autos; terms up to 96 months. Higher rates for vehicles over 100,000 miles or more than 6 years old. Effective 09/23/2026. Advertised as 60 months.
Checked Nov 11, 2026Source p1fcu.org
5.19%NewUp to 78 months
CA · AZ · NVChecked Nov 11, 2026
Minimum loan $15,000.
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
5.19%UsedUp to 48 months
CA · AZ · NVChecked Nov 11, 2026
Used auto model years 2022-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source sdccu.com
5.19%UsedUp to 66 months
CA · AZ · NVChecked Nov 11, 2026
Used auto model years 2022-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source sdccu.com
5.20%and upNew1–60 months
MOChecked Nov 11, 2026
2025-2027 new vehicles (under 15,000 miles); APR range 5.20%-14.89% for 49-60 months (5.20%-13.89% up to 48). Max LTV 140%. Rates effective July 16, 2026. Advertised as 1-60 months.
Checked Nov 11, 2026Source mocentral.org
5.24%and upNewUp to 84 months
TXChecked Nov 11, 2026
APR range 5.24%-18.00% for 0-84 month terms, as of 11/01/2026; based on credit history, collateral and loan to value. Advertised as up to 84 months.
Checked Nov 11, 2026Source rallycu.com
5.24%and upUsedUp to 84 months
TXChecked Nov 11, 2026
APR range 5.24%-18.00% for 0-84 month terms, as of 11/01/2026; based on credit history, collateral and loan to value. Advertised as up to 84 months.
Checked Nov 11, 2026Source rallycu.com
5.24%and upNew37–60 months
OKChecked Nov 11, 2026
Model years 2023 and newer. Advertised as 37-60 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
5.24%and upUsed37–60 months
OKChecked Nov 11, 2026
Model years 2019-2022. Advertised as 37-60 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
5.24%and upNew37–48 months
COChecked Nov 11, 2026
New and used auto loans. Advertised as 37-48 months. APR range 5.24%-17.99%; rate depends on credit and vehicle year.
Checked Nov 11, 2026Source aacu.com
5.24%and upUsed37–48 months
COChecked Nov 11, 2026
New and used auto loans. Advertised as 37-48 months. APR range 5.24%-17.99%; rate depends on credit and vehicle year.
Checked Nov 11, 2026Source aacu.com
5.24%New24–48 months
UTChecked Nov 11, 2026
Auto loans. Individual rate may be higher based on credit and the age, mileage, and title status of the vehicle. Advertised as 24-48 months.
Checked Nov 11, 2026Source dfcu.com
5.24%Used24–48 months
UTChecked Nov 11, 2026
Auto loans. Individual rate may be higher based on credit and the age, mileage, and title status of the vehicle. Advertised as 24-48 months.
Checked Nov 11, 2026Source dfcu.com
5.24%NewUp to 72 months
UTChecked Nov 11, 2026
Listed under New Vehicles. A separate 0.25% loyalty discount is available and is not included in these rates. Advertised as up to 72 months for model years 2017-2026.
Checked Nov 11, 2026Source alpinecu.com
5.24%NewUp to 60 months
KSChecked Nov 11, 2026
New auto loans: model years 2024-2026 with less than 30,000 miles. Rates as of 9/18/2026. Advertised as up to 60 months.
Checked Nov 11, 2026Source campuscu.org
5.30%and upUsed1–60 months
MOChecked Nov 11, 2026
2023-2026 used vehicles (max 150k miles); APR range 5.30%-14.99% for 49-60 months (5.30%-13.99% up to 48). Max LTV 140%. Rates effective July 16, 2026. Advertised as 1-60 months.
Checked Nov 11, 2026Source mocentral.org
5.31%NewUp to 60 months
FLChecked Nov 11, 2026
APR as low as for 2026-2027 model years (rate is set by model year, not new/used status). Additional rates and terms available. Advertised as up to 60 months.
Checked Nov 11, 2026Source campuscu.com
5.34%Used37–75 months
ILChecked Nov 11, 2026
APR as low as, 2023-2024 models. Advertised as 37-75 months.
Checked Nov 11, 2026Source bcu.org
5.34%UsedUp to 63 months
MOChecked Nov 11, 2026
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 63 months.
Checked Nov 11, 2026Source togethercu.org
5.34%NewUp to 66 months
NHChecked Nov 11, 2026
Model year 2026 and newer. Rate as low as 5.25%. Rates effective November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source gscu.org
5.34%NewUp to 48 months
NJChecked Nov 11, 2026
New auto, advertised as up to 48 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
5.36%UsedUp to 54 months
NHChecked Nov 11, 2026
Used auto, model year 2019 and newer. Rate as low as 5.25%. Rates effective November 11, 2026. Advertised as up to 54 months.
Checked Nov 11, 2026Source gscu.org
5.39%NewUp to 48 months
VTChecked Nov 11, 2026
Advertised as 1-4 years (up to 48 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
5.39%UsedUp to 48 months
VTChecked Nov 11, 2026
Advertised as 1-4 years (up to 48 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
5.44%UsedUp to 78 months
CA · AZ · NVChecked Nov 11, 2026
Minimum loan $15,000.
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 $15,000 loan for terms over 66 months. Advertised as up to 78 months.
Checked Nov 11, 2026Source sdccu.com
5.45%NewUp to 96 months
ID · WAChecked Nov 11, 2026
New or used autos; terms up to 96 months. Higher rates for vehicles over 100,000 miles or more than 6 years old. Effective 09/23/2026. Advertised as 72 months.
Checked Nov 11, 2026Source p1fcu.org
5.45%UsedUp to 96 months
ID · WAChecked Nov 11, 2026
New or used autos; terms up to 96 months. Higher rates for vehicles over 100,000 miles or more than 6 years old. Effective 09/23/2026. Advertised as 72 months.
Checked Nov 11, 2026Source p1fcu.org
5.46%UsedUp to 60 months
FLChecked Nov 11, 2026
APR as low as for 2024-2025 model years. Additional rates and terms available for all vehicle years. Advertised as up to 60 months.
Checked Nov 11, 2026Source campuscu.com
5.49%NewUp to 84 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. New auto, model years 2025-2026; maximum term 84 months.
Checked Nov 10, 2026Source ricreditunion.org
5.49%UsedUp to 84 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 years 2025-2026; maximum term 84 months.
Checked Nov 10, 2026Source ricreditunion.org
5.49%NewUp to 63 months
MA · RIChecked Nov 10, 2026
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
5.49%UsedUp to 63 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 2022-2026. Advertised as up to 63 months.
Checked Nov 10, 2026Source scucu.com
5.49%NewUp to 74 months
FLChecked Nov 11, 2026
Vehicles up to 10 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 74 months.
Checked Nov 11, 2026Source eglinfcu.org
5.49%UsedUp to 74 months
FLChecked Nov 11, 2026
Vehicles up to 10 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 74 months.
Checked Nov 11, 2026Source eglinfcu.org
5.49%NewUp to 75 months
MOChecked Nov 11, 2026
Minimum loan $15,000.
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 75 months.
Checked Nov 11, 2026Source togethercu.org
5.49%UsedUp to 63 months
OHChecked Nov 11, 2026
Terms up to 63 months. Auto loans for model year 2022 or older. APR as low as; rates based on creditworthiness, loan amount, term and vehicle age.
Checked Nov 11, 2026Source wpcu.coop
5.49%NewUp to 66 months
CTChecked Nov 11, 2026
Model years 2025 and newer. APR may differ based on credit, collateral year, term and loan-to-value. Dealer purchases only. Advertised as up to 66 months.
Checked Nov 11, 2026Source waypointcu.org
5.49%and upNewUp to 60 months
TNChecked Nov 11, 2026
New vehicle. Advertised as up to 60 months. APR range 5.49%-17.64%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Rates effective October 1, 2026.
Checked Nov 11, 2026Source ascend.org
5.49%and upNewUp to 84 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 84 months.
Checked Nov 11, 2026Source abfcu.org
5.49%and upUsedUp to 84 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 84 months.
Checked Nov 11, 2026Source abfcu.org
5.49%New37–60 months
MSChecked Nov 11, 2026
New auto, as low as. Advertised as 37-60 months.
Checked Nov 11, 2026Source ecmfcu.com
5.49%Used37–60 months
MSChecked Nov 11, 2026
Used auto or motorcycle, as low as. Advertised as 37-60 months.
Checked Nov 11, 2026Source ecmfcu.com
5.49%UsedUp to 48 months
DEChecked Nov 11, 2026
Model years 2021-2023. Rates effective October 1, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source dexsta.com
5.50%NewUp to 48 months
CTChecked Nov 11, 2026
One auto loan table for new and used vehicles; rate varies by term and creditworthiness. Vehicles must be registered in Connecticut. Advertised as up to 48 months.
Checked Nov 11, 2026Source achievefinancialcu.com
5.50%UsedUp to 48 months
CTChecked Nov 11, 2026
One auto loan table for new and used vehicles; rate varies by term and creditworthiness. Vehicles must be registered in Connecticut. Advertised as up to 48 months.
Checked Nov 11, 2026Source achievefinancialcu.com
5.50%New37–48 months
SCChecked Nov 11, 2026
New cars and trucks (model years 2023 and newer). Advertised as 37-48 months. APR as low as; rate depends on credit, amount financed, and term.
Checked Nov 11, 2026Source palmettocitizens.org
5.50%Used37–48 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 37-48 months. APR as low as; rate depends on credit, amount financed, and term.
Checked Nov 11, 2026Source palmettocitizens.org
5.54%New36–63 months
NC · SC · VAChecked Nov 11, 2026
Applies to 36-63 month terms. New auto, model years 2025 and newer; range to 16.74%. APR as low as; rates vary with credit.
Checked Nov 11, 2026Source truliantfcu.org
5.54%NewUp to 60 months
NJChecked Nov 11, 2026
New auto, advertised as up to 60 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
5.54%and upNew37–48 months
WAChecked Nov 11, 2026
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
5.54%and upUsed37–48 months
WAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Used autos, model years 2016-2023. 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
5.54%NewUp to 84 months
MTChecked Nov 11, 2026
New vehicles, model years 2023-2026. Effective 11-12-2026. Advertised as 60 months; up to 84 available.
Checked Nov 11, 2026Source altanafcu.org
5.54%Used37–48 months
VA · DCChecked Nov 11, 2026
Used cars, 2019-2024 models. Effective October 6, 2026. Advertised as 37-48 months.
Checked Nov 11, 2026Source cofcu.org
5.58%NewUp to 78 months
NHChecked Nov 11, 2026
Model year 2026 and newer. Rate as low as 5.50%. Rates effective November 11, 2026. Advertised as up to 78 months.
Checked Nov 11, 2026Source gscu.org
5.59%New24–96 months
IDChecked Nov 11, 2026
Model years 2021 or newer. Advertised as 48 months (payment example); 24-96 months available.
Checked Nov 11, 2026Source capedcu.com
5.59%Used24–96 months
IDChecked Nov 11, 2026
Model years 2021 or newer. Advertised as 48 months (payment example); 24-96 months available.
Checked Nov 11, 2026Source capedcu.com
5.60%UsedUp to 48 months
NJChecked Nov 11, 2026
Used auto, advertised as up to 48 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
5.64%NewUp to 60 months
MSChecked Nov 11, 2026
New auto, as low as. Rates vary with credit history, loan amount, and collateral. Current as of 10/01/26. Advertised as up to 60 months.
Checked Nov 11, 2026Source kfcu.org
5.69%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 years 2021-2024; maximum term 66 months.
Checked Nov 10, 2026Source ricreditunion.org
5.74%NewUp 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 purchase; advertised as up to 48 months.
Checked Nov 10, 2026Source sccu.com
5.74%UsedUp 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. Purchase rates are for model years 2024 and newer (may include late-model used). Advertised as up to 48 months.
Checked Nov 10, 2026Source sccu.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
5.74%Used24–66 months
FLChecked Nov 11, 2026
Purchase only. 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 24-66 months.
Checked Nov 11, 2026Source additionfi.com
5.74%NewUp to 84 months
FLChecked Nov 11, 2026
Minimum loan $20,000.
Vehicles up to 10 years old, $20,000 minimum. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 84 months.
Checked Nov 11, 2026Source eglinfcu.org
5.74%UsedUp to 84 months
FLChecked Nov 11, 2026
Minimum loan $20,000.
Vehicles up to 10 years old, $20,000 minimum. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 84 months.
Checked Nov 11, 2026Source eglinfcu.org
5.74%UsedUp to 60 months
UTChecked Nov 11, 2026
Listed under Used Vehicles. A separate 0.25% loyalty discount is available and is not included in these rates. Advertised as up to 60 months for model years 2016 and older with under 125,000 miles.
Checked Nov 11, 2026Source alpinecu.com
5.78%New37–48 months
LAChecked Nov 11, 2026
New auto loans. Advertised as 37-48 months. APR as low as. Rates effective November 11, 2026.
Checked Nov 11, 2026Source pelicancu.com
5.79%NewUp to 63 months
PAChecked Nov 11, 2026
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source trumark.com
5.79%UsedUp to 63 months
PAChecked Nov 11, 2026
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source trumark.com
5.79%NewUp to 60 months
VTChecked Nov 11, 2026
Advertised as 5 years (up to 60 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
5.79%UsedUp to 60 months
VTChecked Nov 11, 2026
Advertised as 5 years (up to 60 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
5.79%NewUp to 72 months
NJChecked Nov 11, 2026
New auto, advertised as up to 72 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
5.79%UsedUp to 72 months
MTChecked Nov 11, 2026
Used vehicles, model years 2019-2022. Effective 11-12-2026. Advertised as 60 months; up to 72 available.
Checked Nov 11, 2026Source altanafcu.org
5.80%NewUp to 84 months
GAChecked Nov 11, 2026
Terms up to 84 months. New/current-year autos (2026, under 15,000 miles). 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
5.80%UsedUp to 60 months
NJChecked Nov 11, 2026
Used auto, advertised as up to 60 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
5.83%and upUsedUp to 84 months
WAChecked Nov 11, 2026
Used autos. Advertised as up to 84 months; APR range 5.83%-13.74%; the low end is the as-low-as rate. Rates current as of October 15, 2026.
Checked Nov 11, 2026Source wsecu.org
5.84%UsedUp to 75 months
MOChecked Nov 11, 2026
Minimum loan $15,000.
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 75 months.
Checked Nov 11, 2026Source togethercu.org
5.87%Used37–48 months
LAChecked Nov 11, 2026
Used auto loans. Advertised as 37-48 months. APR as low as. Rates effective November 11, 2026.
Checked Nov 11, 2026Source pelicancu.com
5.89%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 2020; maximum term 66 months.
Checked Nov 10, 2026Source ricreditunion.org
5.89%and upUsed24–72 months
NationwideChecked Nov 10, 2026
Minimum loan $7,500.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model years 2021-2022; table shows term 24-72 months and rate 5.89-14.29%. Starting APR; shown at the longest term in this range. A more specific term for the 5.89% starting rate was not given.
Checked Nov 10, 2026Source credithuman.com
5.89%and upUsed24–69 months
NationwideChecked Nov 10, 2026
Minimum loan $7,500.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model year 2020; table shows term 24-69 months and rate 5.89-14.09%. Starting APR; shown at the longest term in this range.
Checked Nov 10, 2026Source credithuman.com
5.89%and upUsed24–63 months
NationwideChecked Nov 10, 2026
Minimum loan $7,500.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model year 2019; table shows term 24-63 months and rate 5.89-14.09%. Starting APR; shown at the longest term in this range.
Checked Nov 10, 2026Source credithuman.com
5.89%and upUsed24–60 months
NationwideChecked Nov 10, 2026
Minimum loan $7,500.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model years 2016-2018; table shows term 24-60 months and rate 5.89-14.09%. Starting APR; shown at the longest term in this range.
Checked Nov 10, 2026Source credithuman.com
5.89%NewUp 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. 2025 and newer autos; term up to 72 months.
Checked Nov 10, 2026Source midflorida.com
5.89%NewUp to 63 months
MOChecked Nov 11, 2026
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source stlouiscommunity.com
5.89%and upUsedUp to 60 months
TNChecked Nov 11, 2026
Used vehicle. Advertised as up to 60 months. APR range 5.89%-18.00%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Rates effective October 1, 2026.
Checked Nov 11, 2026Source ascend.org
5.89%NewUp to 72 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 72 months.
Checked Nov 11, 2026Source mutualcu.org
5.89%UsedUp to 72 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 72 months.
Checked Nov 11, 2026Source mutualcu.org
5.99%UsedUp to 78 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 years 2021-2024; maximum term 78 months.
Checked Nov 10, 2026Source ricreditunion.org
5.99%New37–60 months
VAChecked Nov 10, 2026
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 37-60 months.
Checked Nov 10, 2026Source langleyfcu.org
5.99%Used37–60 months
VAChecked Nov 10, 2026
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Used car loans (2024 and older), advertised as 37-60 months.
Checked Nov 10, 2026Source langleyfcu.org
5.99%NewUp 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 purchase; advertised as up to 66 months.
Checked Nov 10, 2026Source sccu.com
5.99%UsedUp 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. Purchase rates are for model years 2024 and newer (may include late-model used). Advertised as up to 66 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
5.99%NewUp to 48 months
FL · GAChecked Nov 11, 2026
Terms up to 48 months. New Cars (model years 2025 or newer). APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
5.99%Used36–63 months
NC · SC · VAChecked Nov 11, 2026
Applies to 36-63 month terms. Used auto, model years 2019-2024; range to 17.24%. APR as low as; rates vary with credit.
Checked Nov 11, 2026Source truliantfcu.org
5.99%NewUp to 60 months
CTChecked Nov 11, 2026
One auto loan table for new and used vehicles. Vehicles must be registered in Connecticut. Advertised as up to 60 months.
Checked Nov 11, 2026Source achievefinancialcu.com
5.99%UsedUp to 66 months
CTChecked Nov 11, 2026
Model years 2022-2024. APR may differ based on credit, collateral year, term and loan-to-value. Dealer purchases only. Advertised as up to 66 months.
Checked Nov 11, 2026Source waypointcu.org
5.99%NewUp to 72 months
VTChecked Nov 11, 2026
Advertised as 6 years (up to 72 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
5.99%UsedUp to 72 months
VTChecked Nov 11, 2026
Advertised as 6 years (up to 72 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
5.99%NewUp to 84 months
UTChecked Nov 11, 2026
Listed under New Vehicles. A separate 0.25% loyalty discount is available and is not included in these rates. Advertised as up to 84 months for model years 2019-2026.
Checked Nov 11, 2026Source alpinecu.com
6.05%UsedUp to 72 months
NJChecked Nov 11, 2026
Used auto, advertised as up to 72 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
6.06%UsedUp to 60 months
WVChecked Nov 11, 2026
Used, model years 2020-2022. Effective March 18, 2026. Advertised as up to 60 months.
Checked Nov 11, 2026Source wvfcu.org
6.09%UsedUp to 63 months
MOChecked Nov 11, 2026
2018-2024 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source stlouiscommunity.com
6.09%NewUp to 84 months
NJChecked Nov 11, 2026
New auto, advertised as up to 84 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
6.12%and upNewUp to 84 months
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.
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
6.14%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. 2024 autos; term up to 72 months.
Checked Nov 10, 2026Source midflorida.com
6.14%NewUp to 72 months
MSChecked Nov 11, 2026
New auto, as low as. Rates vary with credit history, loan amount, and collateral. Current as of 10/01/26. Advertised as up to 72 months.
Checked Nov 11, 2026Source kfcu.org
6.19%NewUp to 84 months
CA · AZ · NVChecked Nov 11, 2026
Minimum loan $25,000.
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
6.24%NewUp 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. New/used 2022-2026; up to 66 months. Also listed as used for the same model years.
Checked Nov 10, 2026Source metrocu.org
6.24%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. New/used 2022-2026; up to 66 months.
Checked Nov 10, 2026Source metrocu.org
6.24%UsedUp to 63 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 2019-2021. Advertised as up to 63 months.
Checked Nov 10, 2026Source scucu.com
6.24%New37–48 months
FL · MIChecked Nov 11, 2026
Applies to 37-48 month terms. Autos - New. APR as low as. Longer terms may be available for highly qualified borrowers.
Checked Nov 11, 2026Source dortonline.org
6.24%Used37–48 months
FL · MIChecked Nov 11, 2026
Applies to 37-48 month terms. Autos - Used. APR as low as. Longer terms may be available for highly qualified borrowers.
Checked Nov 11, 2026Source dortonline.org
6.25%NewUp to 72 months
CTChecked Nov 11, 2026
One auto loan table for new and used vehicles. Vehicles must be registered in Connecticut. Advertised as up to 72 months.
Checked Nov 11, 2026Source achievefinancialcu.com
6.28%NewUp to 60 months
NYChecked Nov 11, 2026
Rate table for 2023-2027 model-year vehicles; based on credit history. Same APR for 12-60 months. Advertised as up to 60 months.
Checked Nov 11, 2026Source jovia.org
6.28%UsedUp to 60 months
NYChecked Nov 11, 2026
Rate table for 2023-2027 model-year vehicles; based on credit history. Same APR for 12-60 months. Advertised as up to 60 months.
Checked Nov 11, 2026Source jovia.org
6.32%NewUp to 90 months
NHChecked Nov 11, 2026
Model year 2026 and newer. Rate as low as 6.25%. Rates effective November 11, 2026. Advertised as up to 90 months.
Checked Nov 11, 2026Source gscu.org
6.35%UsedUp to 84 months
NJChecked Nov 11, 2026
Used auto, advertised as up to 84 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
6.39%NewUp to 84 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 84 months.
Checked Nov 11, 2026Source mutualcu.org
6.39%UsedUp to 84 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 84 months.
Checked Nov 11, 2026Source mutualcu.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
6.49%NewUp 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 purchase; advertised as up to 75 months.
Checked Nov 10, 2026Source sccu.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%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
6.49%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%NewUp 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
6.49%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
6.64%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
6.74%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%NewUp 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 purchase; advertised as up to 84 months.
Checked Nov 10, 2026Source sccu.com
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
6.74%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
6.74%NewUp to 60 months
COChecked Nov 11, 2026
Auto loans; the page does not list separate new and used rates. Advertised as up to 60 months. APR as low as; based on credit history.
Checked Nov 11, 2026Source westerracu.com
6.75%NewUp to 84 months
CTChecked Nov 11, 2026
One auto loan table for new and used vehicles. Vehicles must be registered in Connecticut. Advertised as up to 84 months.
Checked Nov 11, 2026Source achievefinancialcu.com
6.75%NewUp to 72 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 72 months for model years 2025 and newer.
Checked Nov 11, 2026Source hillsbank.com
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
6.87%NewUp to 96 months
NJChecked Nov 11, 2026
New auto, advertised as up to 96 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
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
6.99%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%NewUp 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 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
7.25%NewUp to 84 months
NCChecked Nov 11, 2026
Terms up to 84 months. New car; APR 7.25% to 13.25% depending on credit. Rate reductions of 0.25%-0.50% may apply for qualifying relationships, EV/PHEV purchase or LTV under 90%. Effective October 1, 2026.
Checked Nov 11, 2026Source self-help.org
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
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
7.89%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
7.99%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
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
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
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.
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