Compare auto loan rates

Best 81-month auto loan rates

Every loan you can get for 81 months, including ranges like 70–81 months.

Checked weeklyUpdated

Lowest match

3.99% APR

No autopay or deposit listed

Lenders tracked

334

Credit unions and banks

Credit unions average 6.11% APR.How these averages work: Covers only 81-month rates (all loan types and states), from every lender we track. For each lender we take its single lowest published APR (any term, including rates with requirements or limited to specific groups), then average credit unions and banks separately: 117 credit unions, 1 bank. We show a bank average once at least 5 banks are listed here. Your rate still depends on creditworthiness, term, and eligibility.

Lowest standard rates

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Top 4 of 97 standard rates

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185 rates · lowest APR first

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185 rates from 100 lenders · Open to most borrowers · 81m · Sorted by lowest 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.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Showing 20 of 185 rates

5.14%APR

Collins Community Credit Union · New

Visit lender, Collins Community Credit Union, 5.14% APR, new, up to 84 months

IAChecked Nov 13, 2026Up to 84 months

Example: $25,000 financed for 84 months at 5.14% APR. Estimated payment: $355/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.34%APR

Collins Community Credit Union · Used

Visit lender, Collins Community Credit Union, 5.34% APR, used, up to 84 months

IAChecked Nov 13, 2026Up to 84 months

Example: $25,000 financed for 84 months at 5.34% APR. Estimated payment: $358/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

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. Sponsored spots are labeled and never change the order.

New to auto loans? Read the CFPB’s auto loan guide, or look up credit unions on MyCreditUnion.gov.

  • 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 nationwide lowest-rate figures.

  • 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.

Full methodology: how we check

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