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Best 50-month auto loan rates

Checked weeklyUpdated

Every loan you can get for 50 months, including ranges like 39–50 months.

Lowest match

3.99%

Standard rate

Lenders tracked

301

Credit unions and banks

Credit unions average 5.22%.How these averages work: We took each lender’s lowest rate and averaged them: 130 credit unions, 4 banks. We show a bank average once at least 5 banks are listed here.

Lowest standard rates

Top 4 of 206 standard rates

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103 rates from 68 lenders · Standard rates · Used · 50m · Sorted by lowest APR

About loan terms

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.

Clear all

103 rates

As low asStandard rate

4.74%and upUsedUp to 72 months

Arkansas Best Federal Credit Union

ARChecked Nov 11, 2026

What the lender published

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

Calculate payment at 4.74% from Arkansas Best Federal Credit UnionVisit lender ↗
As low asStandard rate

5.44%UsedUp to 78 months

San Diego County Credit Union (SDCCU)

CA · AZ · NVChecked Nov 11, 2026

Minimum loan $15,000.

What the lender published

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

Calculate payment at 5.44% from San Diego County Credit Union (SDCCU)Visit lender ↗
As low asStandard rate

5.49%UsedUp to 63 months

Sharon Credit Union

MA · RIChecked Nov 10, 2026

What the lender published

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

Calculate payment at 5.49% from Sharon Credit UnionVisit lender ↗
As low asStandard rate

5.49%and upUsedUp to 84 months

Arkansas Best Federal Credit Union

ARChecked Nov 11, 2026

What the lender published

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

Calculate payment at 5.49% from Arkansas Best Federal Credit UnionVisit lender ↗
As low asStandard rate

5.84%and upUsed49–60 months

Sound Credit Union

WAChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Used autos, model years 2016-2023. Advertised as 49-60 months; APR range 5.84%-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

Calculate payment at 5.84% from Sound Credit UnionVisit lender ↗
As low asStandard rate

5.89%and upUsed24–72 months

Credit Human

NationwideChecked Nov 10, 2026

Minimum loan $7,500.

What the lender published

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

Calculate payment at 5.89% from Credit HumanVisit lender ↗
As low asStandard rate

5.89%and upUsed24–69 months

Credit Human

NationwideChecked Nov 10, 2026

Minimum loan $7,500.

What the lender published

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

Calculate payment at 5.89% from Credit HumanVisit lender ↗
As low asStandard rate

5.89%and upUsed24–63 months

Credit Human

NationwideChecked Nov 10, 2026

Minimum loan $7,500.

What the lender published

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

Calculate payment at 5.89% from Credit HumanVisit lender ↗
As low asStandard rate

5.89%and upUsed24–60 months

Credit Human

NationwideChecked Nov 10, 2026

Minimum loan $7,500.

What the lender published

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

Calculate payment at 5.89% from Credit HumanVisit lender ↗
As low asStandard rate

5.99%UsedUp to 66 months

Space Coast Credit Union

FLChecked Nov 10, 2026

Minimum loan $10,000.

What the lender published

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

Calculate payment at 5.99% from Space Coast Credit UnionVisit lender ↗
As low asStandard rate

6.14%UsedUp to 72 months

MIDFLORIDA Credit Union

FLChecked Nov 10, 2026

What the lender published

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

Calculate payment at 6.14% from MIDFLORIDA Credit UnionVisit lender ↗
As low asStandard rate

6.24%UsedUp to 66 months

Metro Credit Union

MA · NHChecked Nov 10, 2026

What the lender published

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

Calculate payment at 6.24% from Metro Credit UnionVisit lender ↗
As low asStandard rate

6.24%UsedUp to 63 months

Sharon Credit Union

MA · RIChecked Nov 10, 2026

What the lender published

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

Calculate payment at 6.24% from Sharon Credit UnionVisit lender ↗
As low asStandard rate

6.49%UsedUp to 75 months

Space Coast Credit Union

FLChecked Nov 10, 2026

Minimum loan $12,000.

What the lender published

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

Calculate payment at 6.49% from Space Coast Credit UnionVisit lender ↗
As low asStandard rate

6.49%UsedUp to 84 months

San Diego County Credit Union (SDCCU)

CA · AZ · NVChecked Nov 11, 2026

Minimum loan $25,000.

What the lender published

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

Calculate payment at 6.49% from San Diego County Credit Union (SDCCU)Visit lender ↗
As low asStandard rate

6.64%UsedUp to 72 months

MIDFLORIDA Credit Union

FLChecked Nov 10, 2026

What the lender published

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

Calculate payment at 6.64% from MIDFLORIDA Credit UnionVisit lender ↗
As low asStandard rate

6.74%UsedUp to 66 months

Metro Credit Union

MA · NHChecked Nov 10, 2026

What the lender published

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

Calculate payment at 6.74% from Metro Credit UnionVisit lender ↗
As low asStandard rate

6.74%UsedUp to 84 months

Space Coast Credit Union

FLChecked Nov 10, 2026

Minimum loan $20,000.

What the lender published

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

Calculate payment at 6.74% from Space Coast Credit UnionVisit lender ↗
As low asStandard rate

6.99%UsedUp to 60 months

Sharon Credit Union

MA · RIChecked Nov 10, 2026

What the lender published

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

Calculate payment at 6.99% from Sharon Credit UnionVisit lender ↗
As low asStandard rate

7.39%UsedUp to 72 months

MIDFLORIDA Credit Union

FLChecked Nov 10, 2026

What the lender published

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

Calculate payment at 7.39% from MIDFLORIDA Credit UnionVisit lender ↗
As low asStandard rate

7.99%UsedUp to 66 months

Metro Credit Union

MA · NHChecked Nov 10, 2026

What the lender published

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

Calculate payment at 7.99% from Metro Credit UnionVisit lender ↗

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.

How Our Rate Board Works

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.

  • Straight from the lender

    Every rate comes from the lender’s own website, and we show the date we last checked it.

  • “As low as” rates

    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.

  • Preserved loan terms

    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.”

  • Buying-service rates

    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.

  • 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. 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.

  • Sorting & sponsorships

    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.

  • Disclaimer & independence

    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.

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