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
15 rates from 12 lenders · Refi · 42m · 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.
15 rates
4.24%RefiUp to 48 months
TXChecked Nov 11, 2026
Rate valid up to 48 months; lowest rate includes up to 1.00% in combined discounts (insurance, service contract, existing auto loan, checking, Visa card). Advertised as up to 48 months.
Checked Nov 11, 2026Source fccu.org
4.24%RefiUp to 84 months
MEChecked Nov 11, 2026
Refinance rate as low as for 48 months; does not apply to existing TCFCU auto loans. Rate reflects a 0.25% relationship pricing discount. Terms up to 84 months, up to 120% financing.
Checked Nov 11, 2026Source tcfcu.com
4.49%RefiUp to 60 months
TXChecked Nov 11, 2026
Go Beyond: Member Giveback limited-time rate through Dec. 31, 2026, for well-qualified borrowers; new, used and refinance. Advertised as up to 60 months.
Checked Nov 11, 2026Source rbfcu.org
4.69%RefiUp to 66 months
NHChecked Nov 11, 2026
Auto loan refinance special, model years 2021 and newer. Includes a 0.25% discount. Effective June 1, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source trianglecu.org
4.74%RefiUp to 60 months
MEChecked Nov 11, 2026
The promotion covers refinancing an existing auto loan. Advertised as up to 60 months.
Checked Nov 11, 2026Source cportcu.org
5.24%Refi37–66 months
TXChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto refinance loan, advertised as 37-66 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.
Checked Nov 11, 2026Source aplusfcu.org
5.50%RefiUp to 48 months
CTChecked Nov 11, 2026
Refinances are for non-Achieve loans only, minimum refinance amount $10,000. Vehicles must be registered in Connecticut. Advertised as up to 48 months.
Checked Nov 11, 2026Source achievefinancialcu.com
5.69%and upRefi24–48 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. Page states the following rates apply to purchase, refinancing, and equity loan types. 5.69% APR disclosure applies to 24-48 month terms for 2023 and newer.
Checked Nov 10, 2026Source credithuman.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%Refi37–60 months
VAChecked Nov 10, 2026
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 37-60 months. No 76-84 month refinance rate was listed.
Checked Nov 10, 2026Source langleyfcu.org
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
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
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.