Every loan you can get for 83 months, including ranges like 72–83 months.
Lowest match
4.74%
Lenders tracked
112
Credit unions and banks
Credit unions average 6.15%.How these averages work: We took each lender’s lowest rate and averaged them: 39 credit unions, 1 bank. We show a bank average once at least 5 banks are listed here.
Top 4 of 80 rates
37 rates from 36 lenders · Used · 83m · Sorted by highest 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.
Showing 20 of 37 rates
8.00%UsedUp to 84 months
NCChecked Nov 11, 2026
Terms up to 84 months. Used car under 100,000 miles; APR 8.00% to 14.00% depending on credit. Rate reductions of 0.25%-0.50% may apply. Effective October 1, 2026.
Checked Nov 11, 2026Source self-help.org
7.79%Used73–84 months
FL · GAChecked Nov 11, 2026
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
7.74%Used76–84 months
MA · NHChecked Nov 10, 2026
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%Used73–84 months
MOChecked Nov 11, 2026
New/used auto APR as low as. Advertised as 73-84 months.
Checked Nov 11, 2026Source alltrucu.org
7.59%UsedUp to 84 months
RI · MAChecked Nov 10, 2026
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
7.34%UsedUp to 84 months
RI · MAChecked Nov 10, 2026
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
7.28%Used73–84 months
NationwideChecked Nov 10, 2026
As low as; excellent credit assumed. Rates as of Nov 10, 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.
Checked Nov 10, 2026Source navyfederal.org
7.19%Used73–84 months
MOChecked Nov 11, 2026
2018-2024 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
6.99%Used76–84 months
VAChecked Nov 10, 2026
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Used car loans (2024 and older), advertised as 76-84 months.
Checked Nov 10, 2026Source langleyfcu.org
6.99%Used76–84 months
MA · RIChecked Nov 10, 2026
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
6.84%UsedUp to 84 months
MOChecked Nov 11, 2026
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
6.79%Used76–84 months
PAChecked Nov 11, 2026
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
6.74%UsedUp to 84 months
FLChecked Nov 10, 2026
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. 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
6.74%Used76–84 months
PAChecked Nov 11, 2026
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%Used76–84 months
PAChecked Nov 11, 2026
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
6.59%Used76–84 months
NC · SC · VAChecked Nov 11, 2026
Applies to 76-84 month terms. Used auto, model years 2019-2024. APR as low as; rates vary with credit.
Checked Nov 11, 2026Source truliantfcu.org
6.49%UsedUp to 84 months
CA · AZ · NVChecked Nov 11, 2026
Minimum loan $25,000.
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
6.49%Used73–84 months
ILChecked Nov 11, 2026
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
6.30%and upUsed73–84 months
MOChecked Nov 11, 2026
2023-2026 used vehicles. APR range 6.30%-15.08%. Max LTV 140%. Rates effective July 16, 2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source mocentral.org
6.25%Used73–84 months
NCChecked Nov 11, 2026
Applies to 73-84 month terms. Used auto. APR as low as. Effective 09/28/2026.
Checked Nov 11, 2026Source civicfcu.org
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.
Every rate comes from the lender’s own website, and we show the date we last checked it.
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 figures are always labeled as estimates. When a lender doesn’t name a term, we say “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 rates are tagged, and we aren’t 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.
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.
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.