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
Showing 20 of 40 rates
7.74%New76–84 months
MA · NHChecked Nov 10, 2026
Published as 76–84 months, not as its own 84-month price.
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
Published as 73–84 months, not as its own 84-month price.
New/used auto APR as low as. Advertised as 73-84 months.
Checked Nov 11, 2026Source alltrucu.org
7.34%NewUp to 84 months
RI · MAChecked Nov 10, 2026
Published as up to 84 months, not as a single monthly term.
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
7.25%NewUp to 84 months
NCChecked Nov 11, 2026
Published as up to 84 months, not as a single monthly term.
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
6.99%New76–84 months
VAChecked Nov 10, 2026
Published as 76–84 months, not as its own 84-month price.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 76-84 months.
Checked Nov 10, 2026Source langleyfcu.org
6.99%New76–84 months
MA · RIChecked Nov 10, 2026
Published as 76–84 months, not as its own 84-month price.
Minimum loan $25,000.
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
6.99%New73–84 months
MOChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
2025-2027 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
6.79%New76–84 months
PAChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-month price.
Minimum loan $6,000.
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
6.79%New73–84 months
FL · GAChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
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
6.74%NewUp to 84 months
FLChecked Nov 10, 2026
Published as up to 84 months, not as a single monthly term.
Minimum loan $20,000.
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
6.74%New76–84 months
PAChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-month price.
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
6.69%New76–84 months
PAChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-month price.
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as 76-84 months.
Checked Nov 11, 2026Source trumark.com
6.49%New73–84 months
ILChecked 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.
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
6.49%NewUp to 84 months
MOChecked Nov 11, 2026
Published as up to 84 months, not as a single monthly term.
Minimum loan $25,000.
Best rates; may be higher based on underwriting. Minimum loan $15,000 for 75 months and $25,000 for 84 months. Advertised as up to 84 months.
Checked Nov 11, 2026Source togethercu.org
6.29%New73–84 months
NationwideChecked Nov 10, 2026
Published as 73–84 months, not as its own 84-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 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.
Checked Nov 10, 2026Source navyfederal.org
6.25%New73–84 months
NCChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
Applies to 73-84 month terms. New auto. APR as low as. Effective 09/28/2026.
Checked Nov 11, 2026Source civicfcu.org
6.24%New79–84 months
CAChecked Nov 11, 2026
Published as 79–84 months, not as its own 84-month price.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 79-84 months.
Checked Nov 11, 2026Source missionfed.com
6.20%and upNew73–84 months
MOChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
2025-2027 new vehicles. APR range 6.20%-14.98%. Max LTV 140%. Rates effective July 16, 2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source mocentral.org
6.19%NewUp to 84 months
CA · AZ · NVChecked Nov 11, 2026
Published as up to 84 months, not as a single monthly term.
Minimum loan $25,000.
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
6.12%and upNewUp to 84 months
AL · AR · DC · FL · GA · IN · KY · MD · MS · NJ · NC · OH · PA · SC · TN · TX · VA · WVChecked Nov 10, 2026
Published as up to 84 months, not as a single monthly term.
Minimum loan $3,500.
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
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.
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.