Every loan you can get for 42 months, including ranges like 31–42 months.
Lowest match
3.99%
Lenders tracked
231
Credit unions and banks
Credit unions average 5.21%.How these averages work: We took each lender’s lowest rate and averaged them: 100 credit unions, 4 banks. We show a bank average once at least 5 banks are listed here.
Top 4 of 310 rates
310 rates from 104 lenders · 42m · Sorted by highest 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 310 rates
9.99%UsedUp to 75 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2015 and older; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
9.24%UsedUp to 48 months
IN · NY · OH · PAChecked Nov 11, 2026
Published with the stated maximum term of 48 months. Used model years 2007-2020. Minimum credit score 661; based on a $15,000 loan.
Checked Nov 11, 2026Source northwest.bank
8.74%UsedUp to 75 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2016-2018; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
8.74%UsedUp to 66 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2015 and older; advertised as up to 66 months.
Checked Nov 10, 2026Source navigantcu.org
8.49%UsedUp to 72 months
IN · NY · OH · PAChecked Nov 11, 2026
Published with the stated maximum term of 72 months. Used model years 2021-2023. Minimum credit score 661; based on a $15,000 loan.
Checked Nov 11, 2026Source northwest.bank
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
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
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
7.99%UsedUp to 72 months
IN · NY · OH · PAChecked Nov 11, 2026
Published with the stated maximum term of 72 months. Used model years 2024 and newer. Minimum credit score 661; based on a $15,000 loan.
Checked Nov 11, 2026Source northwest.bank
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
7.74%UsedUp to 66 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2016-2018; advertised as up to 66 months.
Checked Nov 10, 2026Source navigantcu.org
7.59%UsedUp to 84 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2022-2023; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
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
7.34%NewUp to 84 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
7.34%UsedUp to 84 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2024-2025; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.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
7.11%RefiUp to 60 months
NationwideChecked Nov 11, 2026
Advertised as up to 60 months. Auto loan refinance; not available in all states.
Checked Nov 11, 2026Source usbank.com
7.09%UsedUp to 75 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2019-2021; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.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
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.