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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.

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65 rates from 64 lenders · Used · 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.

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Showing 20 of 65 rates

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 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%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%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 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 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 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 ↗
Show all 65 rates

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.

How Our Rate Board Works

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.

  • Straight from the lender

    Every rate comes from the lender’s own website, and we show the date we last checked it.

  • “As low as” rates

    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.

  • Preserved loan terms

    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.”

  • Buying-service rates

    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.

  • 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. 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.

  • Sorting & sponsorships

    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.

  • Disclaimer & independence

    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.

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