Every loan you can get for 79 months, including ranges like 68–79 months.
Lowest match
4.24%
Lenders tracked
232
Credit unions and banks
Credit unions average 6.16%.How these averages work: We took each lender’s lowest rate and averaged them: 80 credit unions, 1 bank. We show a bank average once at least 5 banks are listed here.
Top 4 of 152 rates
152 rates from 81 lenders · 79m · Sorted by highest 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 152 rates
8.00%UsedUp to 84 months
NCChecked Nov 11, 2026
Terms up to 84 months. Used car under 100,000 miles; APR 8.00% to 14.00% depending on credit. Rate reductions of 0.25%-0.50% may apply. Effective October 1, 2026.
Checked Nov 11, 2026Source self-help.org
7.79%Used73–84 months
FL · GAChecked Nov 11, 2026
Applies to 73-84 month terms. Used Cars (model years 2011-2024). Published with a $20,000 minimum loan amount; the vehicle must be 3 years old or newer. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
7.74%New76–84 months
MA · NHChecked Nov 10, 2026
Minimum loan $20,000.
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. Eligible borrowers only; 76 to 84 months.
Checked Nov 10, 2026Source metrocu.org
7.74%Used76–84 months
MA · NHChecked Nov 10, 2026
Minimum loan $20,000.
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. Eligible borrowers only; 76 to 84 months.
Checked Nov 10, 2026Source metrocu.org
7.74%New73–84 months
MOChecked Nov 11, 2026
New/used auto APR as low as. Advertised as 73-84 months.
Checked Nov 11, 2026Source alltrucu.org
7.74%Used73–84 months
MOChecked Nov 11, 2026
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 · MAChecked Nov 10, 2026
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
7.49%New73–84 months
KYChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
Auto loans. Advertised as 73-84 months. Includes a 0.25% reduction for automatic payment from a Park Community account. Rate depends on credit score, vehicle age and value, and term. Rates as of October 14, 2026.
Checked Nov 11, 2026Source parkcommunity.com
7.34%NewUp to 84 months
RI · MAChecked Nov 10, 2026
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. NEW 2025-2026; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
7.34%UsedUp to 84 months
RI · MAChecked Nov 10, 2026
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
7.29%New73–84 months
SCChecked Nov 11, 2026
New cars and trucks (model years 2023 and newer). Advertised as 73-84 months. APR as low as; rate depends on credit, amount financed, and term.
Checked Nov 11, 2026Source palmettocitizens.org
7.29%Used73–84 months
SCChecked Nov 11, 2026
Used cars and trucks up to 3 years old (model years 2023 and newer get the same rate as new). Advertised as 73-84 months. APR as low as; rate depends on credit, amount financed, and term.
Checked Nov 11, 2026Source palmettocitizens.org
7.28%Used73–84 months
NationwideChecked Nov 11, 2026
As low as; excellent credit assumed. Rates as of Nov 11, 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. Used loans go up to 84 months; 85-96 months is new only.
Checked Nov 11, 2026Source navyfederal.org
7.25%NewUp to 84 months
NCChecked Nov 11, 2026
Terms up to 84 months. New car; APR 7.25% to 13.25% depending on credit. Rate reductions of 0.25%-0.50% may apply for qualifying relationships, EV/PHEV purchase or LTV under 90%. Effective October 1, 2026.
Checked Nov 11, 2026Source self-help.org
7.24%NewUp to 84 months
NationwideChecked Nov 11, 2026
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 84 months.
Checked Nov 11, 2026Source dcu.org
7.24%UsedUp to 84 months
NationwideChecked Nov 11, 2026
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 84 months.
Checked Nov 11, 2026Source dcu.org
7.24%RefiUp to 84 months
NationwideChecked Nov 11, 2026
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 84 months. Auto refinancing table shows the same APRs.
Checked Nov 11, 2026Source dcu.org
7.19%Used73–84 months
MOChecked Nov 11, 2026
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%New76–90 months
NHChecked Nov 11, 2026
Model years 2024-2026. Effective October 9, 2026. Advertised as 76-90 months.
Checked Nov 11, 2026Source bccu.org
7.04%and upUsed76–84 months
TNChecked Nov 11, 2026
Used vehicle. Advertised as 76-84 months. APR range 7.04%-9.54%; the low end is the as-low-as rate. Your rate depends on credit score, vehicle age and mileage, and term. Minimum loan $25,000. Rates effective October 1, 2026.
Checked Nov 11, 2026Source ascend.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.