Rows whose published term, range, or maximum includes 74 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.
Lowest match
4.24%
Avg credit union
5.19%
Lenders tracked
82
539 rates from 82 lenders
Top 4 of 74 rates
4.24%New64–75 months
IL
Published as 64–75 months, not as its own 75-month price.
APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as 64-75 months.
Checked Nov 11, 2026Source glcu.org
4.34%New37–75 months
IL
Published as 37–75 months, not as its own 75-month price.
APR as low as, 2025 and newer models. Advertised as 37-75 months.
Checked Nov 11, 2026Source bcu.org
4.99%New67–78 months
MA · NH
Published as 67–78 months, not as its own 78-month price.
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. New-2021; 67 to 78 months.
Checked Nov 10, 2026Source wcu.com
5.09%and upNewUp to 84 months
CA
Published as Up to 84 months, not as a single monthly term.
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
74 rates from 26 lenders · 74m · Sorted by lowest APR
Showing 25 of 74 rates
4.24%New64–75 months
IL
Published as 64–75 months, not as its own 75-month price.
APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as 64-75 months.
Checked Nov 11, 2026Source glcu.org
4.24%Used64–75 months
IL
Published as 64–75 months, not as its own 75-month price.
APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as 64-75 months.
Checked Nov 11, 2026Source glcu.org
4.34%New37–75 months
IL
Published as 37–75 months, not as its own 75-month price.
APR as low as, 2025 and newer models. Advertised as 37-75 months.
Checked Nov 11, 2026Source bcu.org
4.99%New67–78 months
MA · NH
Published as 67–78 months, not as its own 78-month price.
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. New-2021; 67 to 78 months.
Checked Nov 10, 2026Source wcu.com
4.99%Used67–78 months
MA · NH
Published as 67–78 months, not as its own 78-month price.
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. New-2021 bucket; 67 to 78 months.
Checked Nov 10, 2026Source wcu.com
5.09%and upNewUp to 84 months
CA
Published as Up to 84 months, not as a single monthly term.
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
CA
Published as Up to 84 months, not as a single monthly term.
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
5.19%NewUp to 78 months
CA · AZ · NV
Published as Up to 78 months, not as a single monthly term.
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
5.24%New67–75 months
CA
Published as 67–75 months, not as its own 75-month price.
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 67-75 months.
Checked Nov 11, 2026Source missionfed.com
5.24%Used67–75 months
CA
Published as 67–75 months, not as its own 75-month price.
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 67-75 months.
Checked Nov 11, 2026Source missionfed.com
5.24%and upNewUp to 84 months
TX
Published as Up to 84 months, not as a single monthly term.
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
TX
Published as Up to 84 months, not as a single monthly term.
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
5.34%Used37–75 months
IL
Published as 37–75 months, not as its own 75-month price.
APR as low as, 2023-2024 models. Advertised as 37-75 months.
Checked Nov 11, 2026Source bcu.org
5.44%UsedUp to 78 months
CA · AZ · NV
Published as Up to 78 months, not as a single monthly term.
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
5.49%NewUp to 74 months
FL
Published as Up to 74 months, not as a single monthly term.
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
FL
Published as Up to 74 months, not as a single monthly term.
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
MO
Published as Up to 75 months, not as a single monthly term.
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
5.55%New67–84 months
FL
Published as 67–84 months, not as its own 84-month price.
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 67-84 months.
Checked Nov 11, 2026Source additionfi.com
5.74%and upNew73–84 months
CA
Published as 73–84 months, not as its own 84-month price.
Minimum loan $15,000.
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 73 to 84 months.
Checked Nov 10, 2026Source patelco.org
5.74%NewUp to 84 months
FL
Published as Up to 84 months, not as a single monthly term.
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
FL
Published as Up to 84 months, not as a single monthly term.
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
5.84%UsedUp to 75 months
MO
Published as Up to 75 months, not as a single monthly term.
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
5.89%and upUsed73–84 months
CA
Published as 73–84 months, not as its own 84-month price.
Minimum loan $15,000.
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 73 to 84 months. The table's 'Range of APR' column lists 5.89%-17.99%; a 'Low Rate' field on the same row showed 5.79. The Range of APR figure was recorded.
Checked Nov 10, 2026Source patelco.org
5.89%and upRefi73–84 months
CA
Published as 73–84 months, not as its own 84-month price.
Minimum loan $15,000.
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. Same used-auto / refinance table; 73 to 84 months.
Checked Nov 10, 2026Source patelco.org
5.99%New67–75 months
VA
Published as 67–75 months, not as its own 75-month price.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 67-75 months.
Checked Nov 10, 2026Source langleyfcu.org
| Compare | Rate (APR) ↑ | Lender | Term | Type | Where | Restriction / note | |
|---|---|---|---|---|---|---|---|
| 4.24% | Great Lakes Credit Union | 64–75 months | New | IL | Standard rate | Visit lender ↗ | |
| 4.24% | Great Lakes Credit Union | 64–75 months | Used | IL | Standard rate | Visit lender ↗ | |
| 4.34% | BCU (Baxter Credit Union) | 37–75 months | New | IL | Standard rate | Visit lender ↗ | |
| 4.99% | Workers Credit Union | 67–78 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 4.99% | Workers Credit Union | 67–78 months | Used | MA · NH | with autopay | Visit lender ↗ | |
| 5.09% – 9.09% | Star One Credit Union | Up to 84 months | New | CA | Standard rate | Visit lender ↗ | |
| 5.09% – 9.09% | Star One Credit Union | Up to 84 months | Used | CA | Standard rate | Visit lender ↗ | |
| 5.19% | San Diego County Credit Union (SDCCU) | Up to 78 months | New | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 5.24% | Mission Federal Credit Union | 67–75 months | New | CA | Standard rate | Visit lender ↗ | |
| 5.24% | Mission Federal Credit Union | 67–75 months | Used | CA | Standard rate | Visit lender ↗ | |
| 5.24% – 18.00% | Rally Credit Union | Up to 84 months | New | TX | Standard rate | Visit lender ↗ | |
| 5.24% – 18.00% | Rally Credit Union | Up to 84 months | Used | TX | Standard rate | Visit lender ↗ | |
| 5.34% | BCU (Baxter Credit Union) | 37–75 months | Used | IL | Standard rate | Visit lender ↗ | |
| 5.44% | San Diego County Credit Union (SDCCU) | Up to 78 months | Used | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 5.49% | Eglin Federal Credit Union | Up to 74 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.49% | Eglin Federal Credit Union | Up to 74 months | Used | FL | Standard rate | Visit lender ↗ | |
| 5.49% | Together Credit Union | Up to 75 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.55% | Addition Financial Credit Union | 67–84 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.74% – 17.99% | Patelco Credit Union | 73–84 months | New | CA | LTV 95% or less | Visit lender ↗ | |
| 5.74% | Eglin Federal Credit Union | Up to 84 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.74% | Eglin Federal Credit Union | Up to 84 months | Used | FL | Standard rate | Visit lender ↗ | |
| 5.84% | Together Credit Union | Up to 75 months | Used | MO | Standard rate | Visit lender ↗ | |
| 5.89% – 17.99% | Patelco Credit Union | 73–84 months | Used | CA | LTV 95% or less | Visit lender ↗ | |
| 5.89% – 17.99% | Patelco Credit Union | 73–84 months | Refi | CA | LTV 95% or less | Visit lender ↗ | |
| 5.99% | Langley Federal Credit Union | 67–75 months | New | VA | Standard rate | Visit lender ↗ |