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
38 rates
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
4.99%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 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
5.24%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 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%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
5.74%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
5.99%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
5.99%Used64–75 months
PA
Published as 64–75 months, not as its own 75-month price.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as 64-75 months.
Checked Nov 11, 2026Source americanheritagecu.org
5.99%Used73–84 months
PA
Published as 73–84 months, not as its own 84-month price.
2024 and newer models. APR as low as. Rates effective 10/16/2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source uecu.org
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
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
6.24%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
6.30%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
6.34%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
6.49%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
6.59%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
6.74%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
6.84%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
6.99%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
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
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
7.24%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
7.28%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
7.34%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
7.59%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
7.74%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
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
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
| Compare | Rate (APR) ↑ | Lender | Term | Type | Where | Restriction / note | |
|---|---|---|---|---|---|---|---|
| 4.24% | Great Lakes Credit Union | 64–75 months | Used | IL | Standard rate | 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 | Used | 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 | 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 | Used | 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 ↗ | |
| 5.99% | Langley Federal Credit Union | 67–75 months | Used | VA | Standard rate | Visit lender ↗ | |
| 5.99% | American Heritage Federal Credit Union | 64–75 months | Used | PA | with autopay | Visit lender ↗ | |
| 5.99% | Utilities Employees Credit Union (UECU) | 73–84 months | Used | PA | utility employees and families only | Visit lender ↗ | |
| 6.04% | Trumark Financial Credit Union | 64–75 months | Used | PA | Standard rate | Visit lender ↗ | |
| 6.14% | PSECU | 64–75 months | Used | PA | LTV 90% or less | Visit lender ↗ | |
| 6.24% | Addition Financial Credit Union | 67–84 months | Used | FL | Standard rate | Visit lender ↗ | |
| 6.30% – 15.08% | Missouri Central Credit Union | 73–84 months | Used | MO | Standard rate | Visit lender ↗ | |
| 6.34% | 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 ↗ | |
| 6.59% | Navigant Credit Union | Up to 75 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 6.74% | Space Coast Credit Union | Up to 84 months | Used | FL | Standard rate | Visit lender ↗ | |
| 6.84% | Together Credit Union | Up to 84 months | Used | MO | Standard rate | Visit lender ↗ | |
| 6.99% | Visions Federal Credit Union | Up to 75 months | Used | NY | promo ratewith autopay | Visit lender ↗ | |
| 7.09% | Navigant Credit Union | Up to 75 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 7.19% | St. Louis Community Credit Union | 73–84 months | Used | MO | Standard rate | 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 ↗ | |
| 7.28% | Navy Federal Credit Union | 73–84 months | Used | Nationwide | military and families only | Visit lender ↗ | |
| 7.34% | Navigant Credit Union | Up to 84 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 7.59% | Navigant Credit Union | Up to 84 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 7.74% | Alltru Credit Union | 73–84 months | Used | MO | Standard rate | Visit lender ↗ | |
| 8.74% | Navigant Credit Union | Up to 75 months | Used | RI · MA | with autopay | Visit lender ↗ | |
| 9.99% | Navigant Credit Union | Up to 75 months | Used | RI · MA | with autopay | Visit lender ↗ |