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
151 rates from 92 lenders · Used · 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.
Showing 20 of 151 rates
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
4.24%UsedUp 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
4.35%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
4.49%UsedUp 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
4.49%UsedUp to 48 months
TXChecked Nov 11, 2026
Excellent credit tier rate (published tiers run to 16.75% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as up to 48 months.
Checked Nov 11, 2026Source ufcu.org
4.49%UsedUp to 60 months
ILChecked Nov 11, 2026
Rate requires buying through CCU’s Car Buying Service from a participating dealer. JustAutoRates is not affiliated with CCU.
The published figure may include an autopay, direct-deposit, or relationship discount.
Includes a 0.50% discount for buying at a certified dealer through CCU's Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 0-60 months.
Checked Nov 11, 2026Source myconsumers.org
4.49%UsedUp to 60 months
MEChecked Nov 11, 2026
Vehicle loan table; financing options may vary with mileage. Rates reflect relationship loan discount pricing. Advertised as up to 60 months.
Checked Nov 11, 2026Source egcu.org
4.49%UsedUp to 48 months
NHChecked Nov 11, 2026
Used, model years 2021 and newer. Includes a 0.25% discount. Advertised as up to 48 months.
Checked Nov 11, 2026Source trianglecu.org
4.49%UsedUp to 48 months
KYChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans, model year 2022 or newer. Advertised as up to 48 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.
Checked Nov 11, 2026Source classact.org
4.59%UsedUp to 60 months
NationwideChecked Nov 11, 2026
APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 60 months.
Checked Nov 11, 2026Source aacreditunion.org
4.59%UsedUp to 48 months
TXChecked Nov 11, 2026
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source gecu.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
4.59%and upUsed24–84 months
NJChecked Nov 11, 2026
Advertised as 24-84 months; APR range 4.59%-16.89%. Term depends on vehicle age, up to 7 years old. Rate is determined by credit risk score; the lowest rate needs 30% down. An extra 0.25% discount is available with payroll deduction.
Checked Nov 11, 2026Source njlpscu.org
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
4.69%UsedUp to 60 months
NCChecked Nov 11, 2026
Terms up to 60 months. Used vehicle up to 7 years old and 100,000 miles. APR as low as with payroll deduction or automatic draft (non-payroll-deduction APR is 0.50 points higher).
Checked Nov 11, 2026Source allegacy.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
4.74%UsedUp to 60 months
CTChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2022-2024; same as-low-as APR for up to 36, 37-48 and 49-60 months. Reflects a 0.25% autopay discount. Effective October 1, 2026. Advertised as up to 60 months.
Checked Nov 11, 2026Source sikorskycu.org
4.74%UsedUp to 60 months
MEChecked Nov 11, 2026
New & used auto loans; same APR up to 36, 48 and 60 months. Vehicle age sets the maximum term. Promotional rate. Advertised as up to 60 months.
Checked Nov 11, 2026Source cportcu.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
4.90%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
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.