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
103 rates from 68 lenders · Standard rates · Used · 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 103 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%Used24–60 months
ARChecked Nov 11, 2026
Used auto, 2020 or newer with 100,000 miles or less. As low as on a 36-month term; terms 24 to 60 months.
Checked Nov 11, 2026Source telcoe.com
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
4.59%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
4.69%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%and upUsedUp 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 upUsed49–60 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
4.90%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
4.99%Used49–66 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%UsedUp 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%and upUsed37–60 months
ILChecked Nov 11, 2026
APR range 4.99%-14.99%. Listed as Used Automobiles; rate based on primary applicant's credit (2019 or older add 2%). Not valid on refinancing existing Abri auto loans. Advertised as 37-60 months.
Checked Nov 11, 2026Source abricu.com
4.99%UsedUp to 84 months
NVChecked Nov 11, 2026
Used autos, model year 2026 or older. Advertised as up to 84 months. Rates effective November 1, 2026.
Checked Nov 11, 2026Source boulderdamcu.org
4.99%UsedUp to 60 months
IAChecked Nov 11, 2026
Standard APR (no loyalty discount) for model years 2021-2023. Advertised as up to 60 months.
Checked Nov 11, 2026Source collinscu.org
4.99%Used24–60 months
IA · ILChecked Nov 11, 2026
As low as; effective 11/11/2026. Range shown by the lender: 4.99%-5.24%. Advertised as 24-60 months for model years 2022-2023.
Checked Nov 11, 2026Source ascentra.org
4.99%and upUsed49–66 months
MSChecked Nov 11, 2026
Range up to 18.00% APR, subject to credit approval. Advertised as 49-66 months.
Checked Nov 11, 2026Source statewidefcu.org
4.99%UsedUp to 60 months
MSChecked Nov 11, 2026
As low as; varies with credit and the vehicle. Advertised as up to 60 months.
Checked Nov 11, 2026Source mutualcu.org
4.99%UsedUp to 60 months
NDChecked Nov 11, 2026
Used vehicles, model years 2022-2025. Loan rates for October 2026. Advertised as up to 60 months.
Checked Nov 11, 2026Source ffe-fcu.org
5.08%Used50 months
WVChecked Nov 11, 2026
New or used, model year 2023 and newer; APR includes a $35 processing fee. Effective March 18, 2026. Advertised as 50 months.
Checked Nov 11, 2026Source wvfcu.org
5.09%and upUsedUp to 84 months
CAChecked Nov 11, 2026
Fixed APR range 5.09%-9.09% based on credit qualification; same rate for 3- to 7-year terms. Promotional rates do not apply to refinancing existing Star One loans. Advertised as up to 84 months.
Checked Nov 11, 2026Source starone.org
5.09%Used49–60 months
VAChecked Nov 11, 2026
New or used vehicles, model years 2021-2026. Advertised as 49-60 months. APR as low as; rates depend on credit history.
Checked Nov 11, 2026Source abnbfcu.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.