JustAutoRates

Best 79-month auto loan rates

Checked weeklyUpdated

Every loan you can get for 79 months, including ranges like 68–79 months.

Lowest match

4.24%

Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.

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.

Lowest rates this week

Top 4 of 152 rates

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152 rates from 81 lenders · 79m · Sorted by lowest APR

About loan terms

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.

152 rates

As low asMembers onlyMembers only: Eligibility limit: only open to law enforcement and public safety. Other borrowers can’t get this rate.

3.84%and upNew24–84 months

New Jersey Law & Public Safety Credit Union

NJChecked Nov 11, 2026

What the lender published

Advertised as 24-84 months; APR range 3.84%-14.94%. Rate is determined by credit risk score; the lowest rate needs 30% down. An extra 0.25% discount is available with payroll deduction.

Checked Nov 11, 2026Source njlpscu.org

Calculate payment at 3.84% from New Jersey Law & Public Safety Credit UnionVisit lender ↗
As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

4.24%RefiUp to 84 months

Town & Country Federal Credit Union

MEChecked Nov 11, 2026

What the lender published

Refinance rate as low as for 48 months; does not apply to existing TCFCU auto loans. Rate reflects a 0.25% relationship pricing discount. Terms up to 84 months, up to 120% financing.

Checked Nov 11, 2026Source tcfcu.com

Calculate payment at 4.24% from Town & Country Federal Credit UnionVisit lender ↗
As low asMembers onlyMembers only: Eligibility limit: only open to law enforcement and public safety. Other borrowers can’t get this rate.

4.59%and upUsed24–84 months

New Jersey Law & Public Safety Credit Union

NJChecked Nov 11, 2026

What the lender published

Advertised as 24-84 months; APR range 4.59%-16.89%. Term depends on vehicle age, up to 7 years old. Rate is determined by credit risk score; the lowest rate needs 30% down. An extra 0.25% discount is available with payroll deduction.

Checked Nov 11, 2026Source njlpscu.org

Calculate payment at 4.59% from New Jersey Law & Public Safety Credit UnionVisit lender ↗
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.

5.30%and upNewUp to 84 months

WSECU (Washington State Employees Credit Union)

WAChecked Nov 11, 2026

What the lender published

New autos, model year 2024 or newer. Advertised as up to 84 months; APR range 5.30%-12.69%. The low end includes a 0.25% discount for credit scores of 700 or higher with a loan-to-value below 85%. Rates current as of October 15, 2026.

Checked Nov 11, 2026Source wsecu.org

Calculate payment at 5.30% from WSECU (Washington State Employees Credit Union)Visit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.49%New79–84 months

Workers Credit Union

MA · NHChecked Nov 10, 2026

What the lender published

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; 79 to 84 months.

Checked Nov 10, 2026Source wcu.com

Calculate payment at 5.49% from Workers Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.49%Used79–84 months

Workers Credit Union

MA · NHChecked Nov 10, 2026

What the lender published

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 through 2021 model years; 79 to 84 months.

Checked Nov 10, 2026Source wcu.com

Calculate payment at 5.49% from Workers Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.49%New73–84 months

Class Act Federal Credit Union

KYChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Auto loans, model year 2022 or newer. Advertised as 73-84 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.

Checked Nov 11, 2026Source classact.org

Calculate payment at 5.49% from Class Act Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.49%Used73–84 months

Class Act Federal Credit Union

KYChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Auto loans, model year 2022 or newer. Advertised as 73-84 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.

Checked Nov 11, 2026Source classact.org

Calculate payment at 5.49% from Class Act Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV under 80%LTV under 80%: Loan-to-value (loan amount vs. vehicle value) must be under 80%.

5.50%NewUp to 84 months

Nutmeg State Financial Credit Union

CTChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

New vehicle: max age 1 year, max 5,000 miles. Lowest APR requires a 48-month term, current membership, autopay from a Nutmeg account and loan-to-value under 80% (0.25% discount each for autopay and LTV). Terms up to 84 months.

Checked Nov 11, 2026Source nutmegstatefcu.org

Calculate payment at 5.50% from Nutmeg State Financial Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV under 80%LTV under 80%: Loan-to-value (loan amount vs. vehicle value) must be under 80%.

5.50%UsedUp to 84 months

Nutmeg State Financial Credit Union

CTChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Used vehicle: max age 7 years, max 100,000 miles. Lowest APR requires a 48-month term, current membership, autopay from a Nutmeg account and loan-to-value under 80% (0.25% discount each for autopay and LTV). Terms up to 84 months.

Checked Nov 11, 2026Source nutmegstatefcu.org

Calculate payment at 5.50% from Nutmeg State Financial Credit UnionVisit lender ↗
As low asLTV 95% or lessLTV 95% or less: Loan-to-value (loan amount vs. vehicle value) must be 95% or less.

5.74%and upNew73–84 months

Patelco Credit Union

CAChecked Nov 10, 2026

Minimum loan $15,000.

What the lender published

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

Calculate payment at 5.74% from Patelco Credit UnionVisit lender ↗
As low asMin. loan $18,000Min. loan $18,000: The lender publishes this rate with a $18,000 minimum loan amount.

5.74%New76–84 months

Wright-Patt Credit Union

OHChecked Nov 11, 2026

What the lender published

Applies to 76-84 month terms. Auto loans for model year 2023 or newer (new or used). APR as low as; rates based on creditworthiness, loan amount, term and vehicle age. Terms of 76+ months need at least $18,000 financed.

Checked Nov 11, 2026Source wpcu.coop

Calculate payment at 5.74% from Wright-Patt Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.

5.74%NewUp to 87 months

Genisys Credit Union

MI · MN · PAChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Terms up to 87 months. Model years 2023 and newer; 87-month term requires at least $25,000 financed. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.

Checked Nov 11, 2026Source genisyscu.org

Calculate payment at 5.74% from Genisys Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.

5.74%Used73–84 months

Genisys Credit Union

MI · MN · PAChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Applies to 73-84 month terms. Model years 2018-2022; requires at least $25,000 financed. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.

Checked Nov 11, 2026Source genisyscu.org

Calculate payment at 5.74% from Genisys Credit UnionVisit lender ↗
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.

5.74%NewUp to 84 months

WESTconsin Credit Union

WIChecked Nov 11, 2026

What the lender published

Vehicles 2022 and newer. Advertised as up to 84 months. Lowest rate assumes an A+ credit score and Gold level in the Membership Value Pricing program.

Checked Nov 11, 2026Source westconsincu.org

Calculate payment at 5.74% from WESTconsin Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.79%Refi79–84 months

A+ Federal Credit Union

TXChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Auto refinance loan, advertised as 79-84 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.

Checked Nov 11, 2026Source aplusfcu.org

Calculate payment at 5.79% from A+ Federal Credit UnionVisit lender ↗
As low asLTV 95% or lessLTV 95% or less: Loan-to-value (loan amount vs. vehicle value) must be 95% or less.

5.89%and upUsed73–84 months

Patelco Credit Union

CAChecked Nov 10, 2026

Minimum loan $15,000.

What the lender published

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. We list the Range of APR figure.

Checked Nov 10, 2026Source patelco.org

Calculate payment at 5.89% from Patelco Credit UnionVisit lender ↗
As low asLTV 95% or lessLTV 95% or less: Loan-to-value (loan amount vs. vehicle value) must be 95% or less.

5.89%and upRefi73–84 months

Patelco Credit Union

CAChecked Nov 10, 2026

Minimum loan $15,000.

What the lender published

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

Calculate payment at 5.89% from Patelco Credit UnionVisit lender ↗
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.99%NewUp to 84 months

Visions Federal Credit Union

NYChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Current and previous 3 calendar-year vehicles. 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 84 months.

Checked Nov 11, 2026Source visionsfcu.org

Calculate payment at 5.99% from Visions Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.99%New61–84 months

Pima Federal Credit Union

AZChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

New or used auto. Advertised as 61-84 months. APR as low as; includes a 0.25% discount for automatic payments. Rates depend on credit. Current as of November 1, 2026.

Checked Nov 11, 2026Source pimafederal.org

Calculate payment at 5.99% from Pima Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.99%Used61–84 months

Pima Federal Credit Union

AZChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

New or used auto. Advertised as 61-84 months. APR as low as; includes a 0.25% discount for automatic payments. Rates depend on credit. Current as of November 1, 2026.

Checked Nov 11, 2026Source pimafederal.org

Calculate payment at 5.99% from Pima Federal Credit UnionVisit lender ↗
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.

6.00%New79–84 months

GECU Federal Credit Union

TXChecked Nov 11, 2026

Minimum loan $30,000.

What the lender published

APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed $30,000 and above for this term. Advertised as 79-84 months.

Checked Nov 11, 2026Source gecu.com

Calculate payment at 6.00% from GECU Federal Credit UnionVisit lender ↗
As low asTop credit tierTop credit tier: The published rate is for the lender’s top credit tier.

6.00%Used79–84 months

GECU Federal Credit Union

TXChecked Nov 11, 2026

Minimum loan $30,000.

What the lender published

APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed $30,000 and above for this term. Advertised as 79-84 months.

Checked Nov 11, 2026Source gecu.com

Calculate payment at 6.00% from GECU Federal Credit UnionVisit lender ↗
As low asMin. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount.

6.00%UsedUp to 84 months

Robins Financial Credit Union

GAChecked Nov 11, 2026

What the lender published

Terms up to 84 months. Used autos 1-3 years old (2023-2026); loans greater than $30,000, under 40,000 miles. APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.

Checked Nov 11, 2026Source robinsfcu.org

Calculate payment at 6.00% from Robins Financial Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.

6.09%NewUp to 84 months

Virginia Credit Union

VAChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Car or light truck loan. Advertised as up to 84 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.

Checked Nov 11, 2026Source vacu.org

Calculate payment at 6.09% from Virginia Credit UnionVisit lender ↗
As low asStandard rate

6.12%and upNewUp to 84 months

Truist Bank

AL · AR · DC · FL · GA · IN · KY · MD · MS · NJ · NC · OH · PA · SC · TN · TX · VA · WVChecked Nov 10, 2026

Minimum loan $3,500.

What the lender published

Official new-car loan page: fixed rates from 6.12% to 12.11% APR. Terms up to 84 months. Excellent credit required for lowest rates. Loan amounts $3,500 to $400,000. Available in branches in AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. No term-specific rate table was published; the term shown is the stated maximum (84 months) and the 6.12% figure is the published low end of the range, not a confirmed 84-month rate. A comparison example uses 6.44% APR for 84 months on $25,000, which we don't list as a separate rate. 30-day rate lock after approval.

Checked Nov 10, 2026Source truist.com

Calculate payment at 6.12% from Truist BankVisit lender ↗
As low asStandard rate

6.19%NewUp to 84 months

San Diego County Credit Union (SDCCU)

CA · AZ · NVChecked Nov 11, 2026

Minimum loan $25,000.

What the lender published

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 $25,000 loan for terms over 78 months. Advertised as up to 84 months.

Checked Nov 11, 2026Source sdccu.com

Calculate payment at 6.19% from San Diego County Credit Union (SDCCU)Visit lender ↗
As low asMin. loan $18,000Min. loan $18,000: The lender publishes this rate with a $18,000 minimum loan amount.

6.24%Used76–84 months

Wright-Patt Credit Union

OHChecked Nov 11, 2026

What the lender published

Applies to 76-84 month terms. Auto loans for model year 2022 or older. APR as low as; rates based on creditworthiness, loan amount, term and vehicle age. Terms of 76+ months need at least $18,000 financed and a 2021 or newer vehicle.

Checked Nov 11, 2026Source wpcu.coop

Calculate payment at 6.24% from Wright-Patt Credit UnionVisit lender ↗
As low asMilitary & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.

6.29%New73–84 months

Navy Federal Credit Union

NationwideChecked Nov 11, 2026

What the lender published

As low as; excellent credit assumed. Rates as of Nov 11, 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 73-84 months. Lender says 84-month terms need a $30,000 minimum loan.

Checked Nov 11, 2026Source navyfederal.org

Calculate payment at 6.29% from Navy Federal Credit UnionVisit lender ↗
As low asMin. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.

6.36%New73–84 months

Members First Credit Union

NHChecked Nov 11, 2026

What the lender published

APR as low as. Advertised as 73-84 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. New auto is a current-year vehicle with no more than 6,000 miles. Minimum loan amount of $25,000 required for 73-84 month term.

Checked Nov 11, 2026Source membersfirstnh.org

Calculate payment at 6.36% from Members First Credit UnionVisit lender ↗
As low asMin. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.

6.36%Used73–84 months

Members First Credit Union

NHChecked Nov 11, 2026

What the lender published

APR as low as. Advertised as 73-84 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. Used vehicles over 6 years old add 1.00%. Minimum loan amount of $25,000 required for 73-84 month term.

Checked Nov 11, 2026Source membersfirstnh.org

Calculate payment at 6.36% from Members First Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

6.39%New76–84 months

American Eagle Financial Credit Union

CTChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Model years 2025-2027. APR includes a 0.25% discount for autopay from an AEFCU checking account. Effective November 11, 2026. Advertised as 76-84 months.

Checked Nov 11, 2026Source americaneagle.org

Calculate payment at 6.39% from American Eagle Financial Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.39%New76–84 months

St. Mary's Bank

NHChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Auto model years 2024 to 2026 (new or used). Advertised as 76-84 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026. APR for 76-84 months is based on a $20,000 minimum loan; term based on credit.

Checked Nov 11, 2026Source stmarysbank.com

Calculate payment at 6.39% from St. Mary's BankVisit lender ↗
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.

6.39%New76–84 months

Northwest Federal Credit Union

VAChecked Nov 11, 2026

What the lender published

New model years 2026-2027. Advertised as 76-84 months. Special rate as low as for a limited time; minimum loan $20,000, financing up to 80% of value. Rates depend on credit. Rates current as of October 26, 2026.

Checked Nov 11, 2026Source nwfcu.org

Calculate payment at 6.39% from Northwest Federal Credit UnionVisit lender ↗
As low asStandard rate

6.44%and upNew73–84 months

Sound Credit Union

WAChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

New autos, model year 2024 or newer. Advertised as 73-84 months; APR range 6.44%-18.00%. The page also offers a 0.25% discount for autopay from a Sound checking account; it does not say whether the listed rates include it.

Checked Nov 11, 2026Source soundcu.com

Calculate payment at 6.44% from Sound Credit UnionVisit lender ↗
As low asStandard rate

6.44%and upUsed73–84 months

Sound Credit Union

WAChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Used autos, model years 2016-2023. Advertised as 73-84 months; APR range 6.44%-18.00%. The page also offers a 0.25% discount for autopay from a Sound checking account; it does not say whether the listed rates include it.

Checked Nov 11, 2026Source soundcu.com

Calculate payment at 6.44% from Sound Credit UnionVisit lender ↗
As low asStandard rate

6.49%UsedUp to 84 months

San Diego County Credit Union (SDCCU)

CA · AZ · NVChecked Nov 11, 2026

Minimum loan $25,000.

What the lender published

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

Calculate payment at 6.49% from San Diego County Credit Union (SDCCU)Visit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

6.49%New73–84 months

Consumers Credit Union (Illinois)

ILChecked Nov 11, 2026

What the lender published

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

Calculate payment at 6.49% from Consumers Credit Union (Illinois)Visit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

6.49%Used73–84 months

Consumers Credit Union (Illinois)

ILChecked Nov 11, 2026

What the lender published

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

Calculate payment at 6.49% from Consumers Credit Union (Illinois)Visit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

6.49%New79–84 months

A+ Federal Credit Union

TXChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Auto purchase loan, advertised as 79-84 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.

Checked Nov 11, 2026Source aplusfcu.org

Calculate payment at 6.49% from A+ Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

6.49%Used79–84 months

A+ Federal Credit Union

TXChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Auto purchase loan, advertised as 79-84 months. APR as low as; includes a 0.25% discount for automatic payments, and the rate may rise if autopay is cancelled. Rates depend on credit score, loan-to-value, mileage, and term. Rates as of November 10, 2026.

Checked Nov 11, 2026Source aplusfcu.org

Calculate payment at 6.49% from A+ Federal Credit UnionVisit lender ↗
As low asMin. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.

6.49%and upNew76–84 months

Ascend Federal Credit Union

TNChecked Nov 11, 2026

What the lender published

New vehicle. Advertised as 76-84 months. APR range 6.49%-9.34%; 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

Calculate payment at 6.49% from Ascend Federal Credit UnionVisit lender ↗
As low asPromo ratePromo rate: A promotional rate the lender may end at any time.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.

6.64%Used76–84 months

Northwest Federal Credit Union

VAChecked Nov 11, 2026

What the lender published

Used model years 2025-2027. Advertised as 76-84 months. Special rate as low as for a limited time; minimum loan $20,000, financing up to 90% of value. Rates depend on credit. Rates current as of October 26, 2026.

Checked Nov 11, 2026Source nwfcu.org

Calculate payment at 6.64% from Northwest Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.64%New76–84 months

APGFCU (Aberdeen Proving Ground Federal Credit Union)

MDChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

New cars, trucks, and vans (current or previous two model years, never titled). Advertised as 76-84 months. APR as low as with automatic payments from an APGFCU account. Minimum loan $20,000. Effective November 11, 2026.

Checked Nov 11, 2026Source apgfcu.com

Calculate payment at 6.64% from APGFCU (Aberdeen Proving Ground Federal Credit Union)Visit lender ↗
As low asStandard rate

6.74%NewUp to 84 months

Space Coast Credit Union

FLChecked Nov 10, 2026

Minimum loan $20,000.

What the lender published

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. Auto loan purchase; advertised as up to 84 months.

Checked Nov 10, 2026Source sccu.com

Calculate payment at 6.74% from Space Coast Credit UnionVisit lender ↗
As low asStandard rate

6.74%UsedUp to 84 months

Space Coast Credit Union

FLChecked Nov 10, 2026

Minimum loan $20,000.

What the lender published

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

Calculate payment at 6.74% from Space Coast Credit UnionVisit lender ↗
As low asStandard rate

6.74%RefiUp to 84 months

Space Coast Credit Union

FLChecked Nov 10, 2026

Minimum loan $20,000.

What the lender published

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. Auto loan refinance interest rates (non-SCCU auto loans only); advertised as up to 84 months.

Checked Nov 10, 2026Source sccu.com

Calculate payment at 6.74% from Space Coast Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

6.74%New76–84 months

American Heritage Federal Credit Union

PAChecked Nov 11, 2026

What the lender published

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 76-84 months.

Checked Nov 11, 2026Source americanheritagecu.org

Calculate payment at 6.74% from American Heritage Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

6.74%Used76–84 months

American Heritage Federal Credit Union

PAChecked Nov 11, 2026

What the lender published

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 76-84 months.

Checked Nov 11, 2026Source americanheritagecu.org

Calculate payment at 6.74% from American Heritage Federal Credit UnionVisit lender ↗
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.74%New73–84 months

Guardian Credit Union

WIChecked Nov 11, 2026

What the lender published

New autos and motorcycles. Advertised as 73-84 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $20,000. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 6.74% from Guardian Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.74%Used76–84 months

APGFCU (Aberdeen Proving Ground Federal Credit Union)

MDChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Used cars and trucks (franchise-dealer purchases or refinances, up to two model years old). Advertised as 76-84 months. APR as low as with automatic payments from an APGFCU account. Minimum loan $20,000. Effective November 11, 2026.

Checked Nov 11, 2026Source apgfcu.com

Calculate payment at 6.74% from APGFCU (Aberdeen Proving Ground Federal Credit Union)Visit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.

6.79%New76–84 months

PSECU

PAChecked Nov 11, 2026

Minimum loan $6,000.

What the lender published

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 $6,000. Advertised as 76-84 months.

Checked Nov 11, 2026Source psecu.com

Calculate payment at 6.79% from PSECUVisit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.

6.79%Used76–84 months

PSECU

PAChecked Nov 11, 2026

Minimum loan $6,000.

What the lender published

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 $6,000. Advertised as 76-84 months.

Checked Nov 11, 2026Source psecu.com

Calculate payment at 6.79% from PSECUVisit lender ↗
As low asMin. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.79%New73–84 months

VyStar Credit Union

FL · GAChecked Nov 11, 2026

What the lender published

Applies to 73-84 month terms. New Cars (model years 2025 or newer). Published with a $20,000 minimum loan amount. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.

Checked Nov 11, 2026Source vystarcu.org

Calculate payment at 6.79% from VyStar Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.79%Used76–84 months

St. Mary's Bank

NHChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

Auto model years 2019 to 2023. Advertised as 76-84 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026. APR for 76-84 months is based on a $20,000 minimum loan; term based on credit.

Checked Nov 11, 2026Source stmarysbank.com

Calculate payment at 6.79% from St. Mary's BankVisit lender ↗
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.89%Used73–84 months

Guardian Credit Union

WIChecked Nov 11, 2026

What the lender published

Used autos and motorcycles. Advertised as 73-84 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $20,000. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 6.89% from Guardian Credit UnionVisit lender ↗
As low asStandard rate

6.99%New76–84 months

Sharon Credit Union

MA · RIChecked Nov 10, 2026

Minimum loan $25,000.

What the lender published

As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as 76-84 months. 76-84-month terms available for a minimum amount financed of $25,000 on vehicles less than 30,000 miles.

Checked Nov 10, 2026Source scucu.com

Calculate payment at 6.99% from Sharon Credit UnionVisit lender ↗
As low asStandard rate

6.99%Used76–84 months

Sharon Credit Union

MA · RIChecked Nov 10, 2026

What the lender published

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 76-84 months.

Checked Nov 10, 2026Source scucu.com

Calculate payment at 6.99% from Sharon Credit UnionVisit lender ↗
As low asMin. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.

7.04%and upUsed76–84 months

Ascend Federal Credit Union

TNChecked Nov 11, 2026

What the lender published

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

Calculate payment at 7.04% from Ascend Federal Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

7.24%NewUp to 84 months

Digital Federal Credit Union (DCU)

NationwideChecked Nov 11, 2026

What the lender published

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

Calculate payment at 7.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

7.24%UsedUp to 84 months

Digital Federal Credit Union (DCU)

NationwideChecked Nov 11, 2026

What the lender published

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

Calculate payment at 7.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

7.24%RefiUp to 84 months

Digital Federal Credit Union (DCU)

NationwideChecked Nov 11, 2026

What the lender published

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

Calculate payment at 7.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asMilitary & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.

7.28%Used73–84 months

Navy Federal Credit Union

NationwideChecked Nov 11, 2026

What the lender published

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

Calculate payment at 7.28% from Navy Federal Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

7.34%NewUp to 84 months

Navigant Credit Union

RI · MAChecked Nov 10, 2026

What the lender published

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

Calculate payment at 7.34% from Navigant Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

7.34%UsedUp to 84 months

Navigant Credit Union

RI · MAChecked Nov 10, 2026

What the lender published

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

Calculate payment at 7.34% from Navigant Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

7.49%New73–84 months

Park Community Credit Union

KYChecked Nov 11, 2026

What the lender published

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

Calculate payment at 7.49% from Park Community Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

7.59%UsedUp to 84 months

Navigant Credit Union

RI · MAChecked Nov 10, 2026

What the lender published

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

Calculate payment at 7.59% from Navigant Credit UnionVisit lender ↗
As low asStandard rate

7.74%New76–84 months

Metro Credit Union

MA · NHChecked Nov 10, 2026

Minimum loan $20,000.

What the lender published

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

Calculate payment at 7.74% from Metro Credit UnionVisit lender ↗
As low asStandard rate

7.74%Used76–84 months

Metro Credit Union

MA · NHChecked Nov 10, 2026

Minimum loan $20,000.

What the lender published

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

Calculate payment at 7.74% from Metro Credit UnionVisit lender ↗
As low asMin. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

7.79%Used73–84 months

VyStar Credit Union

FL · GAChecked Nov 11, 2026

What the lender published

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

Calculate payment at 7.79% from VyStar Credit UnionVisit lender ↗

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.

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