Published rates
Rows whose published term, range, or maximum includes 65 months. A bucket such as 37–60 months is labeled as that bucket. Rates with no term on the source page are left off this list.
Last checked Nov 10, 2026.
Lowest match4.89%Navy Federal Credit Union· New · 61–72 months
A 65-month filter includes a published range or maximum that covers 65 months. The label stays the lender’s wording, such as “37–60 months” or “up to 65 months”.
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
60 published rows, lowest APR first. Showing 12.
4.89%
as low as APR
Credit union · New · 61–72 months
Nationwide
Published as 61–72 months, not as its own 72-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 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 61-72 months.
Checked Nov 10, 2026Source navyfederal.org
4.99%
as low as APR
Credit union · New · Up to 66 months
Massachusetts, New Hampshire
Published as Up to 66 months, not as a single monthly term.
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%
as low as APR
Credit union · Used · Up to 66 months
Massachusetts, New Hampshire
Published as Up to 66 months, not as a single monthly term.
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
5.24%
as low as APR
Credit union · New · Up to 65 months
Nationwide
Published as Up to 65 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 65 months.
Checked Nov 10, 2026Source dcu.org
5.24%
as low as APR
Credit union · Used · Up to 65 months
Nationwide
Published as Up to 65 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 65 months.
Checked Nov 10, 2026Source dcu.org
5.24%
as low as APR
Credit union · Refinance · Up to 65 months
Nationwide
Published as Up to 65 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 65 months. Auto refinancing table shows the same APRs.
Checked Nov 10, 2026Source dcu.org
5.24%
as low as APR
Credit union · New · 65 months
Nationwide
Minimum loan $1,000.
As low as; effective 11/03/2026. Actual APR based on credit history and final loan terms. Membership required. New auto loan, 2025 and newer models.
Checked Nov 10, 2026Source firsttechfed.com
5.24%
as low as APR
Credit union · Used · 65 months
Nationwide
Minimum loan $1,000.
As low as; effective 11/03/2026. Actual APR based on credit history and final loan terms. Membership required. Used auto loan, 2016-2024 models.
Checked Nov 10, 2026Source firsttechfed.com
5.29%–17.99%
as low as 5.29% APR
Credit union · New · 49–66 months
California
Published as 49–66 months, not as its own 66-month price.
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%–17.99%
as low as 5.49% APR
Credit union · Used · 49–66 months
California
Published as 49–66 months, not as its own 66-month price.
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%
as low as APR
Credit union · Used · Up to 72 months
Massachusetts, New Hampshire
Published as Up to 72 months, not as a single monthly term.
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
5.69%
as low as APR
Credit union · Used · 61–72 months
Nationwide
Published as 61–72 months, not as its own 72-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 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 61-72 months.
Checked Nov 10, 2026Source navyfederal.org