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
82 rates from 54 lenders · Standard rates · Used · 62m · 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 82 rates
3.99%UsedUp to 63 months
ILChecked Nov 11, 2026
As-low-as APR. Rate shown for the lender's home area; yours may differ. Same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source glcu.org
4.74%and upUsedUp to 72 months
ARChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
New and used autos; risk-based range up to 18.00% APR. A 0.25% automatic payment discount is available separately and is not included in these rates. Advertised as up to 72 months.
Checked Nov 11, 2026Source abfcu.org
4.89%Used61–72 months
SCChecked Nov 11, 2026
Used autos. Advertised as 61-72 months. APR as low as; best available rate based on approved credit, and a minimum credit score applies.
Checked Nov 11, 2026Source cpmfed.com
4.99%Used49–66 months
CAChecked Nov 11, 2026
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 49-66 months.
Checked Nov 11, 2026Source missionfed.com
4.99%UsedUp to 66 months
FLChecked Nov 11, 2026
Vehicles up to 15 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source eglinfcu.org
4.99%UsedUp to 84 months
NVChecked Nov 11, 2026
Used autos, model year 2026 or older. Advertised as up to 84 months. Rates effective November 1, 2026.
Checked Nov 11, 2026Source boulderdamcu.org
4.99%and upUsed49–66 months
MSChecked Nov 11, 2026
Range up to 18.00% APR, subject to credit approval. Advertised as 49-66 months.
Checked Nov 11, 2026Source statewidefcu.org
4.99%and upUsed61–72 months
MSChecked Nov 11, 2026
New and used autos (used model years 2022-2025 at the stated rate). Based on credit score, term, model year, amount financed, and relationship pricing. Effective as of 8/19/2026. Advertised as 61-72 months.
Checked Nov 11, 2026Source srfcu.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
5.14%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
5.15%UsedUp to 96 months
ID · WAChecked Nov 11, 2026
New or used autos; terms up to 96 months. Higher rates for vehicles over 100,000 miles or more than 6 years old. Effective 09/23/2026. Advertised as 60 months.
Checked Nov 11, 2026Source p1fcu.org
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
5.24%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%Used49–66 months
DEChecked Nov 11, 2026
Model years 2024-2027. Rates effective October 1, 2026. Advertised as 49-66 months.
Checked Nov 11, 2026Source dexsta.com
5.28%Used61–72 months
NMChecked Nov 11, 2026
Current and two prior model years with 25,000 miles or less qualify for new-car rates. Advertised as 61-72 months.
Checked Nov 11, 2026Source gosunward.org
5.31%Used62 months
WVChecked Nov 11, 2026
New or used, model year 2023 and newer; APR includes a $35 processing fee. Effective March 18, 2026. Advertised as 62 months.
Checked Nov 11, 2026Source wvfcu.org
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%Used61–66 months
VAChecked Nov 11, 2026
New or used vehicles, model years 2021-2026. Advertised as 61-66 months. APR as low as; rates depend on credit history.
Checked Nov 11, 2026Source abnbfcu.org
5.38%Used61–72 months
NHChecked Nov 11, 2026
APR as low as. Advertised as 61-72 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
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.