Every loan you can get for 50 months, including ranges like 39–50 months.
Lowest match
3.99%
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.
Top 4 of 206 standard rates
97 rates from 69 lenders · Standard rates · New · 50m · 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 97 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%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%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
4.29%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
4.49%New49–66 months
NCChecked Nov 11, 2026
Applies to 49-66 month terms. 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
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
4.64%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
4.74%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 upNew49–60 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 49-60 months.
Checked Nov 11, 2026Source srfcu.org
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
4.90%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
4.99%New49–66 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 49-66 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%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%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
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.