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
132 rates from 97 lenders · New · 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.
Showing 20 of 132 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
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
4.29%NewUp to 60 months
GAChecked Nov 11, 2026
Terms up to 60 months. New cars. APR as low as (range up to 14.59%); rates depend on creditworthiness and term.
Checked Nov 11, 2026Source deltacommunitycu.com
4.34%New37–75 months
ILChecked Nov 11, 2026
APR as low as, 2025 and newer models. Advertised as 37-75 months.
Checked Nov 11, 2026Source bcu.org
4.49%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%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%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%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
4.69%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%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%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
4.74%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%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%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
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.