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
Showing 25 of 38 rates
9.99%UsedUp to 75 months
RI · MA
Published as Up to 75 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2015 and older; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
8.74%UsedUp to 75 months
RI · MA
Published as Up to 75 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2016-2018; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
7.74%Used73–84 months
MO
Published as 73–84 months, not as its own 84-month price.
New/used auto APR as low as. Advertised as 73-84 months.
Checked Nov 11, 2026Source alltrucu.org
7.59%UsedUp to 84 months
RI · MA
Published as Up to 84 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2022-2023; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
7.34%UsedUp to 84 months
RI · MA
Published as Up to 84 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2024-2025; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
7.28%Used73–84 months
Nationwide
Published as 73–84 months, not as its own 84-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 73-84 months.
Checked Nov 10, 2026Source navyfederal.org
7.24%Used67–75 months
MA · NH
Published as 67–75 months, not as its own 75-month price.
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; 67 to 75 months.
Checked Nov 10, 2026Source metrocu.org
7.24%Used73–75 months
MA · RI
Published as 73–75 months, not as its own 75-month price.
Minimum loan $15,000.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2019-2021. Advertised as 73-75 months. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.
Checked Nov 10, 2026Source scucu.com
7.19%Used73–84 months
MO
Published as 73–84 months, not as its own 84-month price.
2018-2024 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source stlouiscommunity.com
7.09%UsedUp to 75 months
RI · MA
Published as Up to 75 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2019-2021; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
6.99%UsedUp to 75 months
NY
Published as Up to 75 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Model years up to 7 calendar years old. Promotional relationship rate effective November 1-30, 2026; requires automatic payment on the new loan (add 0.25% without it). Up to 115% financing for qualified borrowers. Advertised as up to 75 months.
Checked Nov 11, 2026Source visionsfcu.org
6.84%UsedUp to 84 months
MO
Published as Up to 84 months, not as a single monthly term.
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
6.74%UsedUp to 84 months
FL
Published as Up to 84 months, not as a single monthly term.
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
6.59%UsedUp to 75 months
RI · MA
Published as Up to 75 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2022-2023; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
6.49%Used67–75 months
MA · NH
Published as 67–75 months, not as its own 75-month price.
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. New/used 2022-2026; 67 to 75 months.
Checked Nov 10, 2026Source metrocu.org
6.49%UsedUp to 75 months
FL
Published as Up to 75 months, not as a single monthly term.
Minimum loan $12,000.
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 75 months.
Checked Nov 10, 2026Source sccu.com
6.49%Used73–75 months
MA · RI
Published as 73–75 months, not as its own 75-month price.
Minimum loan $15,000.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Model years 2022-2026. Advertised as 73-75 months. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.
Checked Nov 10, 2026Source scucu.com
6.49%UsedUp to 84 months
CA · AZ · NV
Published as Up to 84 months, not as a single monthly term.
Minimum loan $25,000.
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 $25,000 loan for terms over 78 months. Advertised as up to 84 months.
Checked Nov 11, 2026Source sdccu.com
6.49%Used73–84 months
IL
Published as 73–84 months, not as its own 84-month price.
The published figure may include an autopay, direct-deposit, or relationship discount.
Without Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source myconsumers.org
6.34%UsedUp to 75 months
RI · MA
Published as Up to 75 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. 2024-2025; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
6.30%and upUsed73–84 months
MO
Published as 73–84 months, not as its own 84-month price.
2023-2026 used vehicles. APR range 6.30%-15.08%. Max LTV 140%. Rates effective July 16, 2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source mocentral.org
6.24%Used67–84 months
FL
Published as 67–84 months, not as its own 84-month price.
Purchase only. 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
6.14%Used64–75 months
PA
Published as 64–75 months, not as its own 75-month price.
Minimum loan $4,000.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $4,000. Advertised as 64-75 months.
Checked Nov 11, 2026Source psecu.com
6.04%Used64–75 months
PA
Published as 64–75 months, not as its own 75-month price.
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as 64-75 months.
Checked Nov 11, 2026Source trumark.com
5.99%Used67–75 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. Used car loans (2024 and older), advertised as 67-75 months.
Checked Nov 10, 2026Source langleyfcu.org
| Compare | Rate (APR) ↓ | Lender | Term | Type | Where | Restriction / note | |
|---|---|---|---|---|---|---|---|
| 9.99% | Navigant Credit Union | Up to 75 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 8.74% | Navigant Credit Union | Up to 75 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 7.74% | Alltru Credit Union | 73–84 months | Used | MO | Standard rate | Visit lender ↗ | |
| 7.59% | Navigant Credit Union | Up to 84 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 7.34% | Navigant Credit Union | Up to 84 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 7.28% | Navy Federal Credit Union | 73–84 months | Used | Nationwide | military and families only | Visit lender ↗ | |
| 7.24% | Metro Credit Union | 67–75 months | Used | MA · NH | Standard rate | Visit lender ↗ | |
| 7.24% | Sharon Credit Union | 73–75 months | Used | MA · RI | Standard rate | Visit lender ↗ | |
| 7.19% | St. Louis Community Credit Union | 73–84 months | Used | MO | Standard rate | Visit lender ↗ | |
| 7.09% | Navigant Credit Union | Up to 75 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 6.99% | Visions Federal Credit Union | Up to 75 months | Used | NY | promo ratewith autopay | Visit lender ↗ | |
| 6.84% | Together Credit Union | Up to 84 months | Used | MO | Standard rate | Visit lender ↗ | |
| 6.74% | Space Coast Credit Union | Up to 84 months | Used | FL | Standard rate | Visit lender ↗ | |
| 6.59% | Navigant Credit Union | Up to 75 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 6.49% | Metro Credit Union | 67–75 months | Used | MA · NH | Standard rate | Visit lender ↗ | |
| 6.49% | Space Coast Credit Union | Up to 75 months | Used | FL | Standard rate | Visit lender ↗ | |
| 6.49% | Sharon Credit Union | 73–75 months | Used | MA · RI | Standard rate | Visit lender ↗ | |
| 6.49% | San Diego County Credit Union (SDCCU) | Up to 84 months | Used | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 6.49% | Consumers Credit Union (Illinois) | 73–84 months | Used | IL | with autopay | Visit lender ↗ | |
| 6.34% | Navigant Credit Union | Up to 75 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 6.30% – 15.08% | Missouri Central Credit Union | 73–84 months | Used | MO | Standard rate | Visit lender ↗ | |
| 6.24% | Addition Financial Credit Union | 67–84 months | Used | FL | Standard rate | Visit lender ↗ | |
| 6.14% | PSECU | 64–75 months | Used | PA | LTV 90% or less | Visit lender ↗ | |
| 6.04% | Trumark Financial Credit Union | 64–75 months | Used | PA | Standard rate | Visit lender ↗ | |
| 5.99% | Langley Federal Credit Union | 67–75 months | Used | VA | Standard rate | Visit lender ↗ |