Rows whose published term, range, or maximum includes 83 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
4.74%
Lenders tracked
112
Credit unions and banks
Credit unions average 6.15%.How these averages work: A simple average of one number per lender: the lowest published APR from each of the 39 credit unions with rates for 83-month terms only (all loan types and states). Members-only, conditional (like autopay), and buying-service rates count when they are a lender’s lowest. No bank comparison is shown: only 1 bank has rates here, and we compare once at least 5 do. Rates are checked weekly.
Top 4 of 80 rates
80 rates from 40 lenders · 83m · Sorted by lowest APR
Showing 25 of 80 rates
4.74%New76–84 months
ILChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-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 76-84 months.
Checked Nov 11, 2026Source glcu.org
4.74%Used76–84 months
ILChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-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 76-84 months.
Checked Nov 11, 2026Source glcu.org
4.84%New67–84 months
NCChecked Nov 11, 2026
Published as 67–84 months, not as its own 84-month price.
Applies to 67-84 month terms. Model years 2025-2027. APR as low as for well-qualified applicants; varies with credit, amount financed, vehicle value, model year and mileage.
Checked Nov 11, 2026Source coastal24.com
5.09%and upNewUp to 84 months
CAChecked Nov 11, 2026
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
5.09%and upUsedUp to 84 months
CAChecked Nov 11, 2026
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%and upNewUp to 84 months
TXChecked Nov 11, 2026
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
5.24%and upUsedUp to 84 months
TXChecked Nov 11, 2026
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
5.29%New73–84 months
GAChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
Applies to 73-84 month terms. New cars; loans of $30,000 or more. APR as low as (range up to 15.99%); rates depend on creditworthiness and term.
Checked Nov 11, 2026Source deltacommunitycu.com
5.34%New76–84 months
ILChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-month price.
APR as low as, 2025 and newer models; 76-84 months for 2025 and newer only. Advertised as 76-84 months.
Checked Nov 11, 2026Source bcu.org
5.35%New76–84 months
NCChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-month price.
Applies to 76-84 month terms. New vehicle. APR as low as with payroll deduction or automatic draft (non-payroll-deduction APR is 0.50 points higher).
Checked Nov 11, 2026Source allegacy.org
5.49%NewUp to 84 months
RIChecked Nov 10, 2026
Published as up to 84 months, not as a single monthly term.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. New auto, model years 2025-2026; maximum term 84 months.
Checked Nov 10, 2026Source ricreditunion.org
5.49%UsedUp to 84 months
RIChecked Nov 10, 2026
Published as up to 84 months, not as a single monthly term.
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. Used auto, model years 2025-2026; maximum term 84 months.
Checked Nov 10, 2026Source ricreditunion.org
5.49%New79–84 months
MA · NHChecked Nov 10, 2026
Published as 79–84 months, not as its own 84-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; 79 to 84 months.
Checked Nov 10, 2026Source wcu.com
5.49%Used79–84 months
MA · NHChecked Nov 10, 2026
Published as 79–84 months, not as its own 84-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; 79 to 84 months.
Checked Nov 10, 2026Source wcu.com
5.49%Used67–84 months
NCChecked Nov 11, 2026
Published as 67–84 months, not as its own 84-month price.
Applies to 67-84 month terms. Model years 2022-2024. APR as low as for well-qualified applicants; varies with credit, amount financed, vehicle value, model year and mileage.
Checked Nov 11, 2026Source coastal24.com
5.55%New67–84 months
FLChecked Nov 11, 2026
Published as 67–84 months, not as its own 84-month price.
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
5.59%Used73–84 months
GAChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
Applies to 73-84 month terms. Used cars; loans of $30,000 or more. APR as low as (range up to 16.29%); rates depend on creditworthiness and term.
Checked Nov 11, 2026Source deltacommunitycu.com
5.59%New61–83 months
FL · MIChecked Nov 11, 2026
Published as 61–83 months, not as its own 83-month price.
Applies to 61-83 month terms. New vehicle with Auto Pay from a DFCU account. Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
Checked Nov 11, 2026Source dfcufinancial.com
5.74%and upNew73–84 months
CAChecked Nov 10, 2026
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.
Checked Nov 10, 2026Source patelco.org
5.74%NewUp to 84 months
FLChecked Nov 11, 2026
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
5.74%UsedUp to 84 months
FLChecked Nov 11, 2026
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
5.74%New76–84 months
OHChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-month price.
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
5.74%Used61–83 months
FL · MIChecked Nov 11, 2026
Published as 61–83 months, not as its own 83-month price.
Applies to 61-83 month terms. Used vehicle with Auto Pay from a DFCU account. Fixed APR as low as; risk-based on creditworthiness and term. Rates effective 11/11/2026.
Checked Nov 11, 2026Source dfcufinancial.com
5.74%NewUp to 87 months
MI · MN · PAChecked Nov 11, 2026
Published as up to 87 months, not as a single monthly term.
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
5.74%Used73–84 months
MI · MN · PAChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
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
| Compare | Rate (APR) ↑ | Lender | Term | Type | Where | Restriction / note | Lender link |
|---|---|---|---|---|---|---|---|
| As low as4.74% | Great Lakes Credit UnionChecked Nov 11, 2026 | 76–84 months | New | IL | Standard rate | Calculate payment at 4.74% from Great Lakes Credit UnionVisit lender ↗ | |
| As low as4.74% | Great Lakes Credit UnionChecked Nov 11, 2026 | 76–84 months | Used | IL | Standard rate | Calculate payment at 4.74% from Great Lakes Credit UnionVisit lender ↗ | |
| As low as4.84% | Coastal Credit UnionChecked Nov 11, 2026 | 67–84 months | New | NC | Standard rate | Calculate payment at 4.84% from Coastal Credit UnionVisit lender ↗ | |
| As low as5.09%and up | Star One Credit UnionChecked Nov 11, 2026 | Up to 84 months | New | CA | Standard rate | Calculate payment at 5.09% from Star One Credit UnionVisit lender ↗ | |
| As low as5.09%and up | Star One Credit UnionChecked Nov 11, 2026 | Up to 84 months | Used | CA | Standard rate | Calculate payment at 5.09% from Star One Credit UnionVisit lender ↗ | |
| As low as5.24%and up | Rally Credit UnionChecked Nov 11, 2026 | Up to 84 months | New | TX | Standard rate | Calculate payment at 5.24% from Rally Credit UnionVisit lender ↗ | |
| As low as5.24%and up | Rally Credit UnionChecked Nov 11, 2026 | Up to 84 months | Used | TX | Standard rate | Calculate payment at 5.24% from Rally Credit UnionVisit lender ↗ | |
| As low as5.29% | Delta Community Credit UnionChecked Nov 11, 2026 | 73–84 months | New | GA | Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. | Calculate payment at 5.29% from Delta Community Credit UnionVisit lender ↗ | |
| As low as5.34% | BCU (Baxter Credit Union)Checked Nov 11, 2026 | 76–84 months | New | IL | Standard rate | Calculate payment at 5.34% from BCU (Baxter Credit Union)Visit lender ↗ | |
| As low as5.35% | Allegacy Federal Credit UnionChecked Nov 11, 2026 | 76–84 months | New | NC | AutopayAutopay: The published rate assumes automatic payments (autopay). | Calculate payment at 5.35% from Allegacy Federal Credit UnionVisit lender ↗ | |
| As low as5.49% | Rhode Island Credit UnionChecked Nov 10, 2026 | Up to 84 months | New | RI | Standard rate | Calculate payment at 5.49% from Rhode Island Credit UnionVisit lender ↗ | |
| As low as5.49% | Rhode Island Credit UnionChecked Nov 10, 2026 | Up to 84 months | Used | RI | Standard rate | Calculate payment at 5.49% from Rhode Island Credit UnionVisit lender ↗ | |
| As low as5.49% | Workers Credit UnionChecked Nov 10, 2026 | 79–84 months | New | MA · NH | AutopayAutopay: The published rate assumes automatic payments (autopay). | Calculate payment at 5.49% from Workers Credit UnionVisit lender ↗ | |
| As low as5.49% | Workers Credit UnionChecked Nov 10, 2026 | 79–84 months | Used | MA · NH | AutopayAutopay: The published rate assumes automatic payments (autopay). | Calculate payment at 5.49% from Workers Credit UnionVisit lender ↗ | |
| As low as5.49% | Coastal Credit UnionChecked Nov 11, 2026 | 67–84 months | Used | NC | Standard rate | Calculate payment at 5.49% from Coastal Credit UnionVisit lender ↗ | |
| As low as5.55% | Addition Financial Credit UnionChecked Nov 11, 2026 | 67–84 months | New | FL | Standard rate | Calculate payment at 5.55% from Addition Financial Credit UnionVisit lender ↗ | |
| As low as5.59% | Delta Community Credit UnionChecked Nov 11, 2026 | 73–84 months | Used | GA | Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. | Calculate payment at 5.59% from Delta Community Credit UnionVisit lender ↗ | |
| As low as5.59% | DFCU FinancialChecked Nov 11, 2026 | 61–83 months | New | FL · MI | AutopayAutopay: The published rate assumes automatic payments (autopay). | Calculate payment at 5.59% from DFCU FinancialVisit lender ↗ | |
| As low as5.74%and up | Patelco Credit UnionChecked Nov 10, 2026 | 73–84 months | New | CA | LTV 95% or lessLTV 95% or less: Loan-to-value (loan amount vs. vehicle value) must be 95% or less. | Calculate payment at 5.74% from Patelco Credit UnionVisit lender ↗ | |
| As low as5.74% | Eglin Federal Credit UnionChecked Nov 11, 2026 | Up to 84 months | New | FL | Standard rate | Calculate payment at 5.74% from Eglin Federal Credit UnionVisit lender ↗ | |
| As low as5.74% | Eglin Federal Credit UnionChecked Nov 11, 2026 | Up to 84 months | Used | FL | Standard rate | Calculate payment at 5.74% from Eglin Federal Credit UnionVisit lender ↗ | |
| As low as5.74% | Wright-Patt Credit UnionChecked Nov 11, 2026 | 76–84 months | New | OH | Min. loan $18,000Min. loan $18,000: The lender publishes this rate with a $18,000 minimum loan amount. | Calculate payment at 5.74% from Wright-Patt Credit UnionVisit lender ↗ | |
| As low as5.74% | DFCU FinancialChecked Nov 11, 2026 | 61–83 months | Used | FL · MI | AutopayAutopay: The published rate assumes automatic payments (autopay). | Calculate payment at 5.74% from DFCU FinancialVisit lender ↗ | |
| As low as5.74% | Genisys Credit UnionChecked Nov 11, 2026 | Up to 87 months | New | MI · MN · PA | Direct 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. | Calculate payment at 5.74% from Genisys Credit UnionVisit lender ↗ | |
| As low as5.74% | Genisys Credit UnionChecked Nov 11, 2026 | 73–84 months | Used | MI · MN · PA | Direct 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. | Calculate payment at 5.74% from Genisys 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.
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.
Each row displays rate data gathered directly from the lender’s official website, checked on the date indicated.
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 calculations remain labeled as estimates or examples. Where a lender does not specify a loan term, the table marks it as “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 rows are tagged. JustAutoRates is not 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.
By default, rows are sorted by the lowest published advertised APR. Featured sponsor placements are clearly labeled as sponsored content and do not alter or inflate the natural sorting order of organic lender listings.
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