Every loan you can get for 51 months, including ranges like 40–51 months.
Lowest match
3.99%
Lenders tracked
231
Credit unions and banks
Credit unions average 5.31%.How these averages work: We took each lender’s lowest rate and averaged them: 100 credit unions, 3 banks. We show a bank average once at least 5 banks are listed here.
Top 4 of 282 rates
282 rates from 103 lenders · 51m · 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.
282 rates
3.84%and upNew24–84 months
NJChecked Nov 11, 2026
Advertised as 24-84 months; APR range 3.84%-14.94%. 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
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%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
4.09%NewUp 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
4.10%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
4.24%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
4.29%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
4.35%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%NewUp 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 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%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
4.49%NewUp 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
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%and upNewUp to 60 months
ILChecked Nov 11, 2026
Regular rate range 4.49%-17.49%; assumes loan-to-value of 100% or less and term of 60 months or less. Not all borrowers qualify for the lowest rate. Advertised as up to 60 months.
Checked Nov 11, 2026Source alerofinancial.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%NewUp to 60 months
MEChecked Nov 11, 2026
Vehicle loan table; up to 110% financing. Rates reflect relationship loan discount pricing. Advertised as up to 60 months.
Checked Nov 11, 2026Source egcu.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%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
4.59%New37–60 months
NationwideChecked Nov 11, 2026
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 37-60 months.
Checked Nov 11, 2026Source navyfederal.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 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
4.69%NewUp to 66 months
NCChecked Nov 11, 2026
Terms up to 66 months. New vehicle. 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%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%NewUp to 66 months
NHChecked Nov 11, 2026
Model years 2021 and newer. Includes a 0.25% discount. Effective July 3, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source trianglecu.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
4.69%NewUp to 66 months
VAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Car or light truck loan. Advertised as up to 66 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.
Checked Nov 11, 2026Source vacu.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%NewUp to 60 months
CTChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2025-2027; same as-low-as APR for up to 36, 37-48 and 49-60 months. Reflects a 0.25% discount for autopay from a Sikorsky account. Effective October 1, 2026. Advertised as up to 60 months.
Checked Nov 11, 2026Source sikorskycu.org
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%NewUp to 72 months
MEChecked Nov 11, 2026
Vehicle loan table; up to 110% financing. Rates reflect relationship loan discount pricing. Advertised as up to 72 months.
Checked Nov 11, 2026Source egcu.org
4.74%NewUp to 60 months
MEChecked Nov 11, 2026
New & used auto loans; same APR up to 36, 48 and 60 months. Based on creditworthiness; vehicle age sets the maximum term. Promotional rate. Advertised as up to 60 months.
Checked Nov 11, 2026Source cportcu.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
4.74%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
4.74%New49–60 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 49-60 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
4.74%Used49–60 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 49-60 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
4.84%NewUp to 72 months
FLChecked Nov 10, 2026
Eco vehicle special: as low as 4.84% APR for electric, hybrid, and plug-in hybrid vehicles, valid on present calendar year models and previous three calendar year models, for terms up to 72 months. APR effective 10/1/2026. Existing Suncoast loans are not eligible for refinance under this offer. Listed under new because the special covers current and prior three model years; used eco vehicles in that window may also qualify.
Checked Nov 10, 2026Source suncoast.com
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
4.90%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%NewUp to 66 months
MA · NHChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Bucket labeled New-2021; up to 66 months.
Checked Nov 10, 2026Source wcu.com
4.99%UsedUp to 66 months
MA · NHChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Bucket labeled New-2021 also covers 2021 used vehicles; up to 66 months.
Checked Nov 10, 2026Source wcu.com
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%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%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%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%NewUp to 60 months
NYChecked Nov 11, 2026
Minimum loan $10,000.
APR as low as; assumes excellent credit. Minimum loan $10,000 up to 60 months ($20,000 to 72, $30,000 to 84). Only vehicles from franchise dealers or TrueCar Certified, Carvana, CarMax or Hertz Car Sales. Advertised as up to 60 months.
Checked Nov 11, 2026Source nymcu.org
4.99%New37–60 months
PAChecked Nov 11, 2026
2022 and newer models (new or used). APR as low as. Rates effective 10/16/2026. Advertised as 37-60 months.
Checked Nov 11, 2026Source uecu.org
4.99%Used37–60 months
PAChecked Nov 11, 2026
2022 and newer models (new or used). APR as low as. Rates effective 10/16/2026. Advertised as 37-60 months.
Checked Nov 11, 2026Source uecu.org
4.99%NewUp to 66 months
ILChecked Nov 11, 2026
2024 and newer models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source cefcu.com
4.99%UsedUp to 66 months
ILChecked Nov 11, 2026
2024-2025 models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source cefcu.com
4.99%NewUp to 60 months
ILChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Without 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
4.99%UsedUp to 60 months
ILChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Without 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
4.99%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%and upUsedUp to 60 months
ILChecked Nov 11, 2026
Regular rate range 4.99%-19.49%; assumes loan-to-value of 100% or less and term of 60 months or less (call for older than 2016 models). Advertised as up to 60 months.
Checked Nov 11, 2026Source alerofinancial.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%NewUp to 60 months
MI · MN · PAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Terms up to 60 months. Model years 2023 and newer. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.
Checked Nov 11, 2026Source genisyscu.org
4.99%NewUp to 72 months
MEChecked Nov 11, 2026
New & used auto loans; vehicle age sets the maximum term. Advertised as up to 72 months.
Checked Nov 11, 2026Source cportcu.org
4.99%New49–60 months
SC · GAChecked Nov 11, 2026
New vehicles, model year 2024 or newer. Advertised as 49-60 months. APR as low as. Minimum amount financed $10,000. Rates as of November 1, 2026.
Checked Nov 11, 2026Source srpfcu.org
4.99%Used49–60 months
SC · GAChecked Nov 11, 2026
Used vehicles, model years 2020-2023. Advertised as 49-60 months. APR as low as. Minimum amount financed $10,000. Rates as of November 1, 2026.
Checked Nov 11, 2026Source srpfcu.org
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
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
5.00%NewUp to 72 months
GAChecked Nov 11, 2026
Terms up to 72 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
5.00%UsedUp to 66 months
GAChecked Nov 11, 2026
Terms up to 66 months. Used autos 1-3 years old (2023-2026); loans greater than $12,000. 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
5.05%New24–66 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 24-66 months.
Checked Nov 11, 2026Source additionfi.com
5.09%and upNewUp 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%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%NewUp to 72 months
VAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Car or light truck loan. Advertised as up to 72 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.
Checked Nov 11, 2026Source vacu.org
5.09%New49–60 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
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
5.11%NewUp to 54 months
NHChecked Nov 11, 2026
Model year 2026 and newer. Rate as low as 5.00%. Rates effective November 11, 2026. Advertised as up to 54 months.
Checked Nov 11, 2026Source gscu.org
5.14%New49–66 months
TXChecked Nov 11, 2026
Excellent credit tier rate (published tiers run to 17.20% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as 49-66 months.
Checked Nov 11, 2026Source ufcu.org
5.14%Used49–66 months
TXChecked Nov 11, 2026
Excellent credit tier rate (published tiers run to 17.20% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as 49-66 months.
Checked Nov 11, 2026Source ufcu.org
5.14%UsedUp to 60 months
ILChecked Nov 11, 2026
2022-2023 models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 60 months.
Checked Nov 11, 2026Source cefcu.com
5.14%Used49–66 months
NCChecked Nov 11, 2026
Applies to 49-66 month terms. 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
5.19%NewUp to 78 months
CA · AZ · NVChecked Nov 11, 2026
Minimum loan $15,000.
New auto model years 2025-2027. 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
5.19%UsedUp to 66 months
CA · AZ · NVChecked Nov 11, 2026
Used auto model years 2022-2027. 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
5.19%New1–51 months
CTChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2025-2027. APR includes a 0.25% discount for autopay from an AEFCU checking account. Effective November 11, 2026. Advertised as 1-51 months.
Checked Nov 11, 2026Source americaneagle.org
5.19%New37–51 months
MDChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
New cars, trucks, and vans (current or previous two model years, never titled). Advertised as 37-51 months. APR as low as with automatic payments from an APGFCU account. Effective November 11, 2026.
Checked Nov 11, 2026Source apgfcu.com
5.20%and upNew1–60 months
MOChecked Nov 11, 2026
2025-2027 new vehicles (under 15,000 miles); APR range 5.20%-14.89% for 49-60 months (5.20%-13.89% up to 48). Max LTV 140%. Rates effective July 16, 2026. Advertised as 1-60 months.
Checked Nov 11, 2026Source mocentral.org
5.24%and upNewUp to 84 months
TXChecked Nov 11, 2026
APR range 5.24%-18.00% for 0-84 month terms, as of 11/01/2026; based on credit history, collateral and loan to value. Advertised as up to 84 months.
Checked Nov 11, 2026Source rallycu.com
5.24%and upUsedUp to 84 months
TXChecked Nov 11, 2026
APR range 5.24%-18.00% for 0-84 month terms, as of 11/01/2026; based on credit history, collateral and loan to value. Advertised as up to 84 months.
Checked Nov 11, 2026Source rallycu.com
5.24%NewUp to 72 months
NCChecked Nov 11, 2026
Terms up to 72 months. New auto. APR as low as. Effective 09/28/2026.
Checked Nov 11, 2026Source civicfcu.org
5.24%NewUp to 84 months
MEChecked Nov 11, 2026
New & used auto loans; vehicle age sets the maximum term. Advertised as up to 84 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
5.24%and upNew37–60 months
OKChecked Nov 11, 2026
Model years 2023 and newer. Advertised as 37-60 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
Checked Nov 11, 2026Source weokie.org
5.24%and upUsed37–60 months
OKChecked Nov 11, 2026
Model years 2019-2022. Advertised as 37-60 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
Checked Nov 11, 2026Source weokie.org
5.24%NewUp to 72 months
WAChecked Nov 11, 2026
Vehicles seven model years old and newer. Advertised as up to 72 months. APR as low as; includes a 0.25% discount for having an STCU credit card in good standing.
Checked Nov 11, 2026Source stcu.org
5.24%UsedUp to 72 months
WAChecked Nov 11, 2026
Vehicles seven model years old and newer. Advertised as up to 72 months. APR as low as; includes a 0.25% discount for having an STCU credit card in good standing.
Checked Nov 11, 2026Source stcu.org
5.24%NewUp to 60 months
WIChecked Nov 11, 2026
Vehicles 2022 and newer. Advertised as up to 60 months. Lowest rate assumes an A+ credit score and Gold level in the Membership Value Pricing program.
Checked Nov 11, 2026Source westconsincu.org
5.24%Used37–51 months
MDChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Used cars and trucks (franchise-dealer purchases or refinances, up to two model years old). Advertised as 37-51 months. APR as low as with automatic payments from an APGFCU account. Effective November 11, 2026.
Checked Nov 11, 2026Source apgfcu.com
5.24%New37–66 months
KYChecked Nov 11, 2026
New or used vehicles. Advertised as 37-66 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.
Checked Nov 11, 2026Source ukcreditunion.org
5.24%Used37–66 months
KYChecked Nov 11, 2026
New or used vehicles. Advertised as 37-66 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.
Checked Nov 11, 2026Source ukcreditunion.org
5.29%and upNew49–66 months
CAChecked Nov 10, 2026
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 49 to 66 months.
Checked Nov 10, 2026Source patelco.org
5.30%New49–60 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 49-60 months.
Checked Nov 11, 2026Source gecu.com
5.30%Used49–60 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 49-60 months.
Checked Nov 11, 2026Source gecu.com
5.30%and upUsed1–60 months
MOChecked Nov 11, 2026
2023-2026 used vehicles (max 150k miles); APR range 5.30%-14.99% for 49-60 months (5.30%-13.99% up to 48). Max LTV 140%. Rates effective July 16, 2026. Advertised as 1-60 months.
Checked Nov 11, 2026Source mocentral.org
5.30%and upNewUp to 84 months
WAChecked Nov 11, 2026
New autos, model year 2024 or newer. Advertised as up to 84 months; APR range 5.30%-12.69%. The low end includes a 0.25% discount for credit scores of 700 or higher with a loan-to-value below 85%. Rates current as of October 15, 2026.
Checked Nov 11, 2026Source wsecu.org
5.31%NewUp to 60 months
FLChecked Nov 11, 2026
APR as low as for 2026-2027 model years (rate is set by model year, not new/used status). Additional rates and terms available. Advertised as up to 60 months.
Checked Nov 11, 2026Source campuscu.com
5.34%Used37–75 months
ILChecked Nov 11, 2026
APR as low as, 2023-2024 models. Advertised as 37-75 months.
Checked Nov 11, 2026Source bcu.org
5.34%UsedUp 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
5.34%NewUp to 60 months
FL · MIChecked Nov 11, 2026
Terms up to 60 months. New vehicle with Auto Pay from a DFCU account (0.25 points higher without). Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
Checked Nov 11, 2026Source dfcufinancial.com
5.34%NewUp to 66 months
NHChecked Nov 11, 2026
Model year 2026 and newer. Rate as low as 5.25%. Rates effective November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source gscu.org
5.34%NewUp to 78 months
VAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Car or light truck loan. Advertised as up to 78 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.
Checked Nov 11, 2026Source vacu.org
5.36%UsedUp to 54 months
NHChecked Nov 11, 2026
Used auto, model year 2019 and newer. Rate as low as 5.25%. Rates effective November 11, 2026. Advertised as up to 54 months.
Checked Nov 11, 2026Source gscu.org
5.39%Used1–63 months
CTChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2023-2024. APR includes a 0.25% discount for autopay from an AEFCU checking account. Effective November 11, 2026. Advertised as 1-63 months.
Checked Nov 11, 2026Source americaneagle.org
5.39%NewUp to 63 months
NHChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto model years 2024 to 2026 (new or used). Advertised as up to 63 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.
Checked Nov 11, 2026Source stmarysbank.com
5.44%UsedUp to 78 months
CA · AZ · NVChecked Nov 11, 2026
Minimum loan $15,000.
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
5.44%NewUp to 75 months
NHChecked Nov 11, 2026
Loan amount $15,000 or more. Includes a 0.25% discount. Effective July 3, 2026. Advertised as up to 75 months.
Checked Nov 11, 2026Source trianglecu.org
5.44%New49–60 months
WIChecked Nov 11, 2026
New autos and motorcycles. Advertised as 49-60 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $10,000. Effective November 2, 2026.
Checked Nov 11, 2026Source guardiancu.org
5.46%UsedUp to 60 months
FLChecked Nov 11, 2026
APR as low as for 2024-2025 model years. Additional rates and terms available for all vehicle years. Advertised as up to 60 months.
Checked Nov 11, 2026Source campuscu.com
5.49%NewUp to 84 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. New auto, model years 2025-2026; maximum term 84 months.
Checked Nov 10, 2026Source ricreditunion.org
5.49%UsedUp to 84 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model years 2025-2026; maximum term 84 months.
Checked Nov 10, 2026Source ricreditunion.org
5.49%and upUsed49–66 months
CAChecked Nov 10, 2026
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 49 to 66 months.
Checked Nov 10, 2026Source patelco.org
5.49%UsedUp to 72 months
MA · NHChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Model years 2020-2017; up to 72 months.
Checked Nov 10, 2026Source wcu.com
5.49%NewUp to 63 months
MA · RIChecked Nov 10, 2026
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as up to 63 months.
Checked Nov 10, 2026Source scucu.com
5.49%UsedUp to 63 months
MA · RIChecked Nov 10, 2026
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
5.49%NewUp to 74 months
FLChecked Nov 11, 2026
Vehicles up to 10 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 74 months.
Checked Nov 11, 2026Source eglinfcu.org
5.49%UsedUp to 74 months
FLChecked Nov 11, 2026
Vehicles up to 10 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 74 months.
Checked Nov 11, 2026Source eglinfcu.org
5.49%NewUp to 75 months
MOChecked Nov 11, 2026
Minimum loan $15,000.
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 75 months.
Checked Nov 11, 2026Source togethercu.org
5.49%UsedUp to 63 months
OHChecked Nov 11, 2026
Terms up to 63 months. Auto loans for model year 2022 or older. APR as low as; rates based on creditworthiness, loan amount, term and vehicle age.
Checked Nov 11, 2026Source wpcu.coop
5.49%UsedUp to 60 months
FL · MIChecked Nov 11, 2026
Terms up to 60 months. Used vehicle with Auto Pay from a DFCU account (0.25 points higher without). Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
Checked Nov 11, 2026Source dfcufinancial.com
5.49%NewUp to 75 months
MI · MN · PAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Terms up to 75 months. Model years 2023 and newer. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.
Checked Nov 11, 2026Source genisyscu.org
5.49%NewUp to 66 months
CTChecked Nov 11, 2026
Model years 2025 and newer. APR may differ based on credit, collateral year, term and loan-to-value. Dealer purchases only. Advertised as up to 66 months.
Checked Nov 11, 2026Source waypointcu.org
5.49%New37–66 months
TXChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto purchase 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
5.49%Used37–66 months
TXChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto purchase 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
5.49%and upNewUp to 60 months
TNChecked Nov 11, 2026
New vehicle. Advertised as up to 60 months. APR range 5.49%-17.64%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Rates effective October 1, 2026.
Checked Nov 11, 2026Source ascend.org
5.49%NewUp to 72 months
WIChecked Nov 11, 2026
Vehicles 2022 and newer. Advertised as up to 72 months. Lowest rate assumes an A+ credit score and Gold level in the Membership Value Pricing program.
Checked Nov 11, 2026Source westconsincu.org
5.49%and upNew49–60 months
COChecked Nov 11, 2026
New and used auto loans. Advertised as 49-60 months. APR range 5.49%-17.99%; rate depends on credit and vehicle year.
Checked Nov 11, 2026Source aacu.com
5.49%and upUsed49–60 months
COChecked Nov 11, 2026
New and used auto loans. Advertised as 49-60 months. APR range 5.49%-17.99%; rate depends on credit and vehicle year.
Checked Nov 11, 2026Source aacu.com
5.49%NewUp to 63 months
KYChecked Nov 11, 2026
New, model years 2025-2027 (under 20,000 miles). Advertised as up to 63 months. Fixed APR for top-tier (A) credit.
Checked Nov 11, 2026Source lnfcu.com
5.50%UsedUp to 72 months
GAChecked Nov 11, 2026
Terms up to 72 months. Used autos 1-3 years old (2023-2026); loans greater than $15,000. 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
5.50%UsedUp to 72 months
NCChecked Nov 11, 2026
Terms up to 72 months. Used auto. APR as low as. Effective 09/28/2026.
Checked Nov 11, 2026Source civicfcu.org
5.50%NewUp to 84 months
CTChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
New vehicle: max age 1 year, max 5,000 miles. Lowest APR requires a 48-month term, current membership, autopay from a Nutmeg account and loan-to-value under 80% (0.25% discount each for autopay and LTV). Terms up to 84 months.
Checked Nov 11, 2026Source nutmegstatefcu.org
5.50%UsedUp to 84 months
CTChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Used vehicle: max age 7 years, max 100,000 miles. Lowest APR requires a 48-month term, current membership, autopay from a Nutmeg account and loan-to-value under 80% (0.25% discount each for autopay and LTV). Terms up to 84 months.
Checked Nov 11, 2026Source nutmegstatefcu.org
5.54%New36–63 months
NC · SC · VAChecked Nov 11, 2026
Applies to 36-63 month terms. New auto, model years 2025 and newer; range to 16.74%. APR as low as; rates vary with credit.
Checked Nov 11, 2026Source truliantfcu.org
5.54%NewUp to 60 months
NJChecked Nov 11, 2026
New auto, advertised as up to 60 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
5.55%New49–60 months
SCChecked Nov 11, 2026
New cars and trucks (model years 2023 and newer). Advertised as 49-60 months. APR as low as; rate depends on credit, amount financed, and term.
Checked Nov 11, 2026Source palmettocitizens.org
5.55%Used49–60 months
SCChecked Nov 11, 2026
Used cars and trucks up to 3 years old (model years 2023 and newer get the same rate as new). Advertised as 49-60 months. APR as low as; rate depends on credit, amount financed, and term.
Checked Nov 11, 2026Source palmettocitizens.org
5.58%NewUp to 78 months
NHChecked Nov 11, 2026
Model year 2026 and newer. Rate as low as 5.50%. Rates effective November 11, 2026. Advertised as up to 78 months.
Checked Nov 11, 2026Source gscu.org
5.59%Used37–60 months
NationwideChecked Nov 11, 2026
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 37-60 months.
Checked Nov 11, 2026Source navyfederal.org
5.59%Used49–60 months
WIChecked Nov 11, 2026
Used autos and motorcycles. Advertised as 49-60 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $10,000. Effective November 2, 2026.
Checked Nov 11, 2026Source guardiancu.org
5.69%UsedUp to 66 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model years 2021-2024; maximum term 66 months.
Checked Nov 10, 2026Source ricreditunion.org
5.69%and upNew1–63 months
PAChecked Nov 11, 2026
Minimum loan $1,000.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $1,000. Advertised as 1-63 months.
Checked Nov 11, 2026Source psecu.com
5.69%and upUsed1–63 months
PAChecked Nov 11, 2026
Minimum loan $1,000.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $1,000. Advertised as 1-63 months.
Checked Nov 11, 2026Source psecu.com
5.69%New37–63 months
VAChecked Nov 11, 2026
New model years 2026-2027. Advertised as 37-63 months. Special rate as low as for a limited time; minimum loan $8,000, financing up to 80% of value. Rates depend on credit. Rates current as of October 26, 2026.
Checked Nov 11, 2026Source nwfcu.org
5.69%Used37–63 months
VAChecked Nov 11, 2026
Used model years 2025-2027. Advertised as 37-63 months. Special rate as low as for a limited time; minimum loan $8,000, financing up to 90% of value. Rates depend on credit. Rates current as of October 26, 2026.
Checked Nov 11, 2026Source nwfcu.org
5.74%UsedUp to 60 months
MA · NHChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. 2001 or older; up to 60 months.
Checked Nov 10, 2026Source wcu.com
5.74%Used24–66 months
FLChecked Nov 11, 2026
Purchase only. 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 24-66 months.
Checked Nov 11, 2026Source additionfi.com
5.74%NewUp to 84 months
FLChecked Nov 11, 2026
Minimum loan $20,000.
Vehicles up to 10 years old, $20,000 minimum. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 84 months.
Checked Nov 11, 2026Source eglinfcu.org
5.74%UsedUp to 84 months
FLChecked Nov 11, 2026
Minimum loan $20,000.
Vehicles up to 10 years old, $20,000 minimum. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 84 months.
Checked Nov 11, 2026Source eglinfcu.org
5.74%NewUp to 63 months
PAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source americanheritagecu.org
5.74%UsedUp to 63 months
PAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source americanheritagecu.org
5.74%NewUp to 87 months
MI · MN · PAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Terms up to 87 months. Model years 2023 and newer; 87-month term requires at least $25,000 financed. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.
Checked Nov 11, 2026Source genisyscu.org
5.74%UsedUp to 72 months
MI · MN · PAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Terms up to 72 months. Model years 2018-2022. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.
Checked Nov 11, 2026Source genisyscu.org
5.74%New7–60 months
AZChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
New or used auto. Advertised as 7-60 months. APR as low as; includes a 0.25% discount for automatic payments. Rates depend on credit. Current as of November 1, 2026.
Checked Nov 11, 2026Source pimafederal.org
5.74%Used7–60 months
AZChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
New or used auto. Advertised as 7-60 months. APR as low as; includes a 0.25% discount for automatic payments. Rates depend on credit. Current as of November 1, 2026.
Checked Nov 11, 2026Source pimafederal.org
5.74%NewUp to 84 months
WIChecked Nov 11, 2026
Vehicles 2022 and newer. Advertised as up to 84 months. Lowest rate assumes an A+ credit score and Gold level in the Membership Value Pricing program.
Checked Nov 11, 2026Source westconsincu.org
5.75%UsedUp to 63 months
KYChecked Nov 11, 2026
Used, model years 2024-2026. Advertised as up to 63 months. Fixed APR for top-tier (A) credit.
Checked Nov 11, 2026Source lnfcu.com
5.79%NewUp to 63 months
PAChecked Nov 11, 2026
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source trumark.com
5.79%UsedUp to 63 months
PAChecked Nov 11, 2026
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source trumark.com
5.79%UsedUp to 63 months
NHChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto model years 2019 to 2023. Advertised as up to 63 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.
Checked Nov 11, 2026Source stmarysbank.com
5.79%NewUp to 60 months
VTChecked Nov 11, 2026
Advertised as 5 years (up to 60 months). APR as low as. New/used car, truck, or motorcycle, model years 2020-2026. Rates effective March 2, 2026.
Checked Nov 11, 2026Source greenmountaincu.com
5.79%UsedUp to 60 months
VTChecked Nov 11, 2026
Advertised as 5 years (up to 60 months). APR as low as. New/used car, truck, or motorcycle, model years 2020-2026. Rates effective March 2, 2026.
Checked Nov 11, 2026Source greenmountaincu.com
5.79%NewUp to 72 months
NJChecked Nov 11, 2026
New auto, advertised as up to 72 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
5.79%New49–60 months
LAChecked Nov 11, 2026
New vehicles, model years 2023 and newer. Advertised as 49-60 months. APR as low as. Minimum loan $7,500. Effective October 13, 2026.
Checked Nov 11, 2026Source lacapfcu.org
5.80%NewUp to 84 months
GAChecked Nov 11, 2026
Terms up to 84 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
5.80%UsedUp to 60 months
NJChecked Nov 11, 2026
Used auto, advertised as up to 60 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
5.83%and upUsedUp to 84 months
WAChecked Nov 11, 2026
Used autos. Advertised as up to 84 months; APR range 5.83%-13.74%; the low end is the as-low-as rate. Rates current as of October 15, 2026.
Checked Nov 11, 2026Source wsecu.org
5.84%NewUp to 60 months
NationwideChecked Nov 10, 2026
Rate requires buying through Alliant’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Alliant or TrueCar.
The published figure may include an autopay, direct-deposit, or relationship discount.
Alliant Car Buying Service discounted new rate (0.50% off standard advertised rate); includes autopay and TrueCar certified dealer purchase. Rate applies to new, untitled vehicles with a term of up to 60 months. Source also: https://www.alliantcreditunion.org/borrow/alliant-car-buying-service
Checked Nov 10, 2026Source alliantcreditunion.org
5.84%UsedUp to 75 months
MOChecked Nov 11, 2026
Minimum loan $15,000.
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 75 months.
Checked Nov 11, 2026Source togethercu.org
5.84%NewUp to 66 months
NHChecked Nov 11, 2026
Model years 2024-2026, up to 125% financed; rates quoted are for well-qualified buyers. Mileage over 125,000 adds 1%. Effective October 9, 2026. Advertised as 0-66 months.
Checked Nov 11, 2026Source bccu.org
5.84%and upNew49–60 months
WAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
New autos, model year 2024 or newer. 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
5.84%and upUsed49–60 months
WAChecked Nov 11, 2026
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
5.88%New49–60 months
LAChecked Nov 11, 2026
New auto loans. Advertised as 49-60 months. APR as low as. Rates effective November 11, 2026.
Checked Nov 11, 2026Source pelicancu.com
5.89%UsedUp to 66 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2020; maximum term 66 months.
Checked Nov 10, 2026Source ricreditunion.org
5.89%and upUsed24–72 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. 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
5.89%and upUsed24–69 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. 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
5.89%and upUsed24–63 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. 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
5.89%and upUsed24–60 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. 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
5.89%NewUp to 72 months
FLChecked Nov 10, 2026
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. 2025 and newer autos; term up to 72 months.
Checked Nov 10, 2026Source midflorida.com
5.89%NewUp to 63 months
MOChecked Nov 11, 2026
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source stlouiscommunity.com
5.89%and upUsedUp to 60 months
TNChecked Nov 11, 2026
Used vehicle. Advertised as up to 60 months. APR range 5.89%-18.00%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Rates effective October 1, 2026.
Checked Nov 11, 2026Source ascend.org
5.89%NewUp to 60 months
INChecked Nov 11, 2026
Vehicles 2025 and newer. Advertised as up to 60 months. Lowest APR assumes excellent credit and the top (Diamond) tier of the My Member Perks program. Rates effective November 1, 2026.
Checked Nov 11, 2026Source purduefed.com
5.94%and upNew37–63 months
LAChecked Nov 11, 2026
New and used autos, model year 2019 or newer. Advertised as 37-63 months. APR range 5.94%-17.20%; based on credit. Minimum loan $5,000.
Checked Nov 11, 2026Source efcufinancial.org
5.94%and upUsed37–63 months
LAChecked Nov 11, 2026
New and used autos, model year 2019 or newer. Advertised as 37-63 months. APR range 5.94%-17.20%; based on credit. Minimum loan $5,000.
Checked Nov 11, 2026Source efcufinancial.org
5.97%Used49–60 months
LAChecked Nov 11, 2026
Used auto loans. Advertised as 49-60 months. APR as low as. Rates effective November 11, 2026.
Checked Nov 11, 2026Source pelicancu.com
5.99%NewUp to 66 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 66 months.
Checked Nov 10, 2026Source navigantcu.org
5.99%UsedUp to 66 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2024-2025; advertised as up to 66 months.
Checked Nov 10, 2026Source navigantcu.org
5.99%UsedUp to 78 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model years 2021-2024; maximum term 78 months.
Checked Nov 10, 2026Source ricreditunion.org
5.99%New37–60 months
VAChecked Nov 10, 2026
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 37-60 months.
Checked Nov 10, 2026Source langleyfcu.org
5.99%Used37–60 months
VAChecked Nov 10, 2026
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Used car loans (2024 and older), advertised as 37-60 months.
Checked Nov 10, 2026Source langleyfcu.org
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%UsedUp to 65 months
MA · NHChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. We list the table values; note the FAQ says otherwise. Model years 2021-2016; maximum term up to 65 months.
Checked Nov 10, 2026Source jdcu.org
5.99%UsedUp to 72 months
MA · NHChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. 2001 or older; up to 72 months.
Checked Nov 10, 2026Source wcu.com
5.99%NewUp 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 purchase; advertised as up to 66 months.
Checked Nov 10, 2026Source sccu.com
5.99%UsedUp 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. 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
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
5.99%NewUp to 84 months
NYChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Current and previous 3 calendar-year vehicles. Promotional relationship rate effective November 1-30, 2026; requires automatic payment on the new loan (add 0.25% without it). Up to 115% financing for qualified borrowers. Advertised as up to 84 months.
Checked Nov 11, 2026Source visionsfcu.org
5.99%New49–60 months
FL · GAChecked Nov 11, 2026
Applies to 49-60 month terms. New Cars (model years 2025 or newer). APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
5.99%Used36–63 months
NC · SC · VAChecked Nov 11, 2026
Applies to 36-63 month terms. Used auto, model years 2019-2024; range to 17.24%. APR as low as; rates vary with credit.
Checked Nov 11, 2026Source truliantfcu.org
5.99%NewUp to 60 months
CTChecked Nov 11, 2026
One auto loan table for new and used vehicles. Vehicles must be registered in Connecticut. Advertised as up to 60 months.
Checked Nov 11, 2026Source achievefinancialcu.com
5.99%UsedUp to 66 months
CTChecked Nov 11, 2026
Model years 2022-2024. APR may differ based on credit, collateral year, term and loan-to-value. Dealer purchases only. Advertised as up to 66 months.
Checked Nov 11, 2026Source waypointcu.org
5.99%NewUp to 84 months
MEChecked Nov 11, 2026
Vehicle loan table; up to 100% financing. Rates reflect relationship loan discount pricing. Advertised as up to 84 months.
Checked Nov 11, 2026Source egcu.org
5.99%NewUp to 72 months
VTChecked Nov 11, 2026
Advertised as 6 years (up to 72 months). APR as low as. New/used car, truck, or motorcycle, model years 2020-2026. Rates effective March 2, 2026.
Checked Nov 11, 2026Source greenmountaincu.com
5.99%UsedUp to 72 months
VTChecked Nov 11, 2026
Advertised as 6 years (up to 72 months). APR as low as. New/used car, truck, or motorcycle, model years 2020-2026. Rates effective March 2, 2026.
Checked Nov 11, 2026Source greenmountaincu.com
5.99%NewUp to 66 months
COChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
New vehicles (current or recent model year, 2,000 miles or less). Advertised as up to 66 months. APR as low as, with a loan-to-value of 80% or less and the automatic payment discount; rate adjustments apply for longer terms and higher LTV. Effective November 4, 2026.
Checked Nov 11, 2026Source cuofco.org
5.99%UsedUp to 66 months
COChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Used vehicles, model years 2016-2026. Advertised as up to 66 months. APR as low as, with a loan-to-value of 80% or less and the automatic payment discount; rate adjustments apply for longer terms and higher LTV. Effective November 4, 2026.
Checked Nov 11, 2026Source cuofco.org
6.00%UsedUp to 84 months
GAChecked Nov 11, 2026
Terms up to 84 months. Used autos 1-3 years old (2023-2026); loans greater than $30,000, under 40,000 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
6.05%UsedUp to 72 months
NJChecked Nov 11, 2026
Used auto, advertised as up to 72 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
6.09%UsedUp to 63 months
MOChecked Nov 11, 2026
2018-2024 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source stlouiscommunity.com
6.09%NewUp to 84 months
NJChecked Nov 11, 2026
New auto, advertised as up to 84 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
6.09%NewUp to 84 months
VAChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Car or light truck loan. Advertised as up to 84 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.
Checked Nov 11, 2026Source vacu.org
6.12%and upNewUp to 84 months
AL · AR · DC · FL · GA · IN · KY · MD · MS · NJ · NC · OH · PA · SC · TN · TX · VA · WVChecked Nov 10, 2026
Minimum loan $3,500.
Official new-car loan page: fixed rates from 6.12% to 12.11% APR. Terms up to 84 months. Excellent credit required for lowest rates. Loan amounts $3,500 to $400,000. Available in branches in AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. No term-specific rate table was published; the term shown is the stated maximum (84 months) and the 6.12% figure is the published low end of the range, not a confirmed 84-month rate. A comparison example uses 6.44% APR for 84 months on $25,000, which we don't list as a separate rate. 30-day rate lock after approval.
Checked Nov 10, 2026Source truist.com
6.14%UsedUp to 72 months
FLChecked Nov 10, 2026
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
6.14%UsedUp to 60 months
INChecked Nov 11, 2026
Vehicles 2023-2024. Advertised as up to 60 months. Lowest APR assumes excellent credit and the top (Diamond) tier of the My Member Perks program. Rates effective November 1, 2026.
Checked Nov 11, 2026Source purduefed.com
6.19%NewUp to 84 months
CA · AZ · NVChecked Nov 11, 2026
Minimum loan $25,000.
New auto model years 2025-2027. 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
6.24%UsedUp to 66 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2022-2023; advertised as up to 66 months.
Checked Nov 10, 2026Source navigantcu.org
6.24%NewUp to 66 months
MA · NHChecked Nov 10, 2026
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. Also listed as used for the same model years.
Checked Nov 10, 2026Source metrocu.org
6.24%UsedUp to 66 months
MA · NHChecked Nov 10, 2026
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
6.24%UsedUp to 63 months
MA · RIChecked Nov 10, 2026
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
6.24%and upUsedUp to 60 months
OKChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years 2018-2021. Advertised as up to 60 months. APR as low as; includes a 0.50% discount for automatic payments. Rates and terms depend on loan-to-value, mileage, credit score, and model year. Effective November 5, 2025.
Checked Nov 11, 2026Source allegiancecu.org
6.24%New49–60 months
KYChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans. Advertised as 49-60 months. Includes a 0.25% reduction for automatic payment from a Park Community account. Rate depends on credit score, vehicle age and value, and term. Rates as of October 14, 2026.
Checked Nov 11, 2026Source parkcommunity.com
6.25%NewUp to 72 months
CTChecked Nov 11, 2026
One auto loan table for new and used vehicles. Vehicles must be registered in Connecticut. Advertised as up to 72 months.
Checked Nov 11, 2026Source achievefinancialcu.com
6.25%and upNew49–63 months
AZChecked Nov 11, 2026
New or used auto. Advertised as 49-63 months; APR range 6.25%-13.85%. The low end is the as-low-as rate; your rate depends on credit. Effective November 1, 2026.
Checked Nov 11, 2026Source truwest.org
6.25%and upUsed49–63 months
AZChecked Nov 11, 2026
New or used auto. Advertised as 49-63 months; APR range 6.25%-13.85%. The low end is the as-low-as rate; your rate depends on credit. Effective November 1, 2026.
Checked Nov 11, 2026Source truwest.org
6.28%NewUp to 60 months
NYChecked Nov 11, 2026
Rate table for 2023-2027 model-year vehicles; based on credit history. Same APR for 12-60 months. Advertised as up to 60 months.
Checked Nov 11, 2026Source jovia.org
6.28%UsedUp to 60 months
NYChecked Nov 11, 2026
Rate table for 2023-2027 model-year vehicles; based on credit history. Same APR for 12-60 months. Advertised as up to 60 months.
Checked Nov 11, 2026Source jovia.org
6.32%NewUp to 90 months
NHChecked Nov 11, 2026
Model year 2026 and newer. Rate as low as 6.25%. Rates effective November 11, 2026. Advertised as up to 90 months.
Checked Nov 11, 2026Source gscu.org
6.34%NewUp to 75 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
6.34%UsedUp to 75 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2024-2025; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
6.34%UsedUp to 66 months
NHChecked Nov 11, 2026
Model years 2020-2023; rates quoted are for well-qualified buyers. Mileage over 125,000 adds 1%. Effective October 9, 2026. Advertised as 0-66 months.
Checked Nov 11, 2026Source bccu.org
6.35%UsedUp to 84 months
NJChecked Nov 11, 2026
Used auto, advertised as up to 84 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
6.44%UsedUp to 72 months
SCChecked Nov 11, 2026
Used cars and trucks 4-5 years old. Advertised as up to 72 months. APR as low as.
Checked Nov 11, 2026Source palmettocitizens.org
6.49%NewUp 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 purchase; advertised as up to 75 months.
Checked Nov 10, 2026Source sccu.com
6.49%UsedUp 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. 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
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
6.49%UsedUp to 84 months
CA · AZ · NVChecked Nov 11, 2026
Minimum loan $25,000.
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
6.49%NewUp to 84 months
MOChecked Nov 11, 2026
Minimum loan $25,000.
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 84 months.
Checked Nov 11, 2026Source togethercu.org
6.49%New49–60 months
FL · MIChecked Nov 11, 2026
Applies to 49-60 month terms. Autos - New. APR as low as. Longer terms may be available for highly qualified borrowers.
Checked Nov 11, 2026Source dortonline.org
6.49%Used49–60 months
FL · MIChecked Nov 11, 2026
Applies to 49-60 month terms. Autos - Used. APR as low as. Longer terms may be available for highly qualified borrowers.
Checked Nov 11, 2026Source dortonline.org
6.59%UsedUp to 75 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2022-2023; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
6.64%UsedUp to 72 months
FLChecked Nov 10, 2026
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
6.64%Used49–60 months
FL · GAChecked Nov 11, 2026
Applies to 49-60 month terms. Used Cars (model years 2011-2024). APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
6.74%UsedUp to 66 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2019-2021; advertised as up to 66 months.
Checked Nov 10, 2026Source navigantcu.org
6.74%UsedUp to 66 months
MA · NHChecked Nov 10, 2026
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
6.74%NewUp 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 purchase; advertised as up to 84 months.
Checked Nov 10, 2026Source sccu.com
6.74%UsedUp 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. 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
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
6.74%NewUp to 60 months
COChecked Nov 11, 2026
Auto loans; the page does not list separate new and used rates. Advertised as up to 60 months. APR as low as; based on credit history.
Checked Nov 11, 2026Source westerracu.com
6.75%NewUp to 84 months
CTChecked Nov 11, 2026
One auto loan table for new and used vehicles. Vehicles must be registered in Connecticut. Advertised as up to 84 months.
Checked Nov 11, 2026Source achievefinancialcu.com
6.79%Used49–60 months
LAChecked Nov 11, 2026
Used vehicles, model years 2019-2022. Advertised as 49-60 months. APR as low as. Minimum loan $7,500. Effective October 13, 2026.
Checked Nov 11, 2026Source lacapfcu.org
6.81%NewUp to 60 months
NationwideChecked Nov 11, 2026
Advertised as up to 60 months. Auto financing pre-approval for participating dealers. Lowest APR requires a term of 60 months or less, credit score 800+, a vehicle less than 1 year old, a loan of $40,000+, LTV of 111%-115.99%, and purchase from a dealer in MN; fees in some states (e.g. OH, IN) raise the APR.
Checked Nov 11, 2026Source usbank.com
6.84%UsedUp to 84 months
MOChecked Nov 11, 2026
Minimum loan $25,000.
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 84 months.
Checked Nov 11, 2026Source togethercu.org
6.87%NewUp to 96 months
NJChecked Nov 11, 2026
New auto, advertised as up to 96 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
6.89%UsedUp to 66 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2019; maximum term 66 months.
Checked Nov 10, 2026Source ricreditunion.org
6.99%UsedUp to 60 months
MA · RIChecked Nov 10, 2026
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
6.99%UsedUp to 75 months
NYChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years up to 7 calendar years old. Promotional relationship rate effective November 1-30, 2026; requires automatic payment on the new loan (add 0.25% without it). Up to 115% financing for qualified borrowers. Advertised as up to 75 months.
Checked Nov 11, 2026Source visionsfcu.org
6.99%NewUp to 84 months
VTChecked Nov 11, 2026
Advertised as 7 years (up to 84 months). APR as low as. New/used car, truck, or motorcycle, model years 2020-2026. Rates effective March 2, 2026.
Checked Nov 11, 2026Source greenmountaincu.com
6.99%UsedUp to 84 months
VTChecked Nov 11, 2026
Advertised as 7 years (up to 84 months). APR as low as. New/used car, truck, or motorcycle, model years 2020-2026. Rates effective March 2, 2026.
Checked Nov 11, 2026Source greenmountaincu.com
7.09%UsedUp to 75 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2019-2021; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
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
7.25%NewUp to 84 months
NCChecked Nov 11, 2026
Terms up to 84 months. New car; APR 7.25% to 13.25% depending on credit. Rate reductions of 0.25%-0.50% may apply for qualifying relationships, EV/PHEV purchase or LTV under 90%. Effective October 1, 2026.
Checked Nov 11, 2026Source self-help.org
7.34%NewUp to 84 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
7.34%UsedUp to 84 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2024-2025; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
7.39%UsedUp to 66 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2018; maximum term 66 months.
Checked Nov 10, 2026Source ricreditunion.org
7.39%UsedUp to 72 months
FLChecked Nov 10, 2026
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
7.59%UsedUp to 84 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2022-2023; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
7.74%UsedUp to 66 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2016-2018; advertised as up to 66 months.
Checked Nov 10, 2026Source navigantcu.org
7.89%UsedUp to 66 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2017; maximum term 66 months.
Checked Nov 10, 2026Source ricreditunion.org
7.99%UsedUp to 66 months
MA · NHChecked Nov 10, 2026
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
7.99%UsedUp to 72 months
IN · NY · OH · PAChecked Nov 11, 2026
Published with the stated maximum term of 72 months. Used model years 2024 and newer. Minimum credit score 661; based on a $15,000 loan.
Checked Nov 11, 2026Source northwest.bank
8.00%UsedUp to 84 months
NCChecked Nov 11, 2026
Terms up to 84 months. Used car under 100,000 miles; APR 8.00% to 14.00% depending on credit. Rate reductions of 0.25%-0.50% may apply. Effective October 1, 2026.
Checked Nov 11, 2026Source self-help.org
8.39%UsedUp to 54 months
RIChecked Nov 10, 2026
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model year 2016; maximum term 54 months.
Checked Nov 10, 2026Source ricreditunion.org
8.49%UsedUp to 72 months
IN · NY · OH · PAChecked Nov 11, 2026
Published with the stated maximum term of 72 months. Used model years 2021-2023. Minimum credit score 661; based on a $15,000 loan.
Checked Nov 11, 2026Source northwest.bank
8.74%UsedUp to 75 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2016-2018; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
8.74%UsedUp to 66 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2015 and older; advertised as up to 66 months.
Checked Nov 10, 2026Source navigantcu.org
9.99%UsedUp to 75 months
RI · MAChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2015 and older; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.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.
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