Every loan you can get for 62 months, including ranges like 51–62 months.
Lowest match
3.99%
Lenders tracked
301
Credit unions and banks
Credit unions average 5.40%.How these averages work: We took each lender’s lowest rate and averaged them: 116 credit unions, 3 banks. We show a bank average once at least 5 banks are listed here.
Top 4 of 168 standard rates
168 rates from 64 lenders · Standard rates · 62m · Sorted by highest 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 168 rates
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
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
7.89%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
7.49%Used61–72 months
KSChecked Nov 11, 2026
Used auto loans: model years 2016-2026 with more than 30,000 miles. Rates as of 9/18/2026. Advertised as 61-72 months.
Checked Nov 11, 2026Source campuscu.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
7.25%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
6.99%New61–72 months
FL · MIChecked Nov 11, 2026
Applies to 61-72 month terms. Autos - New. APR as low as. Longer terms may be available for highly qualified borrowers.
Checked Nov 11, 2026Source dortonline.org
6.99%Used61–72 months
FL · MIChecked Nov 11, 2026
Applies to 61-72 month terms. Autos - Used. APR as low as. Longer terms may be available for highly qualified borrowers.
Checked Nov 11, 2026Source dortonline.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
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
6.87%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
6.84%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
6.79%New61–72 months
COChecked Nov 11, 2026
Auto loans; the page does not list separate new and used rates. Advertised as 61-72 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
6.75%NewUp to 72 months
IAChecked Nov 11, 2026
As low as; assumes excellent credit (740+ score) and depends on loan-to-value and term. Advertised as up to 72 months for model years 2025 and newer.
Checked Nov 11, 2026Source hillsbank.com
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
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.