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
80 rates
4.74%New76–84 months
ILChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-month price.
As-low-as APR. Rate shown for the lender's home area; yours may differ. 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.
As-low-as APR. Rate shown for the lender's home area; yours may differ. 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 through 2021 model years; 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
5.80%NewUp to 84 months
GAChecked Nov 11, 2026
Published as up to 84 months, not as a single monthly term.
Terms up to 84 months. New/current-year autos (2026, under 15,000 miles). APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.
Checked Nov 11, 2026Source robinsfcu.org
5.89%and upUsed73–84 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. 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
5.89%and upRefi73–84 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. Same used-auto / refinance table; 73 to 84 months.
Checked Nov 10, 2026Source patelco.org
5.99%NewUp to 84 months
NYChecked Nov 11, 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.
Current and previous 3 calendar-year vehicles. Promotional relationship rate effective November 1-30, 2026; requires automatic payment on the new loan (add 0.25% without it). Up to 115% financing for qualified borrowers. Advertised as up to 84 months.
Checked Nov 11, 2026Source visionsfcu.org
5.99%New73–84 months
PAChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
2024 and newer models. APR as low as. Rates effective 10/16/2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source uecu.org
5.99%Used73–84 months
PAChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
2024 and newer models. APR as low as. Rates effective 10/16/2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source uecu.org
6.00%New79–84 months
TXChecked Nov 11, 2026
Published as 79–84 months, not as its own 84-month price.
Minimum loan $30,000.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed $30,000 and above for this term. Advertised as 79-84 months.
Checked Nov 11, 2026Source gecu.com
6.00%Used79–84 months
TXChecked Nov 11, 2026
Published as 79–84 months, not as its own 84-month price.
Minimum loan $30,000.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Amount financed $30,000 and above for this term. Advertised as 79-84 months.
Checked Nov 11, 2026Source gecu.com
6.00%UsedUp to 84 months
GAChecked Nov 11, 2026
Published as up to 84 months, not as a single monthly term.
Terms up to 84 months. Used autos 1-3 years old (2023-2026); loans greater than $30,000, under 40,000 miles. APR as low as. Rates as of October 14, 2026; vary by credit, collateral, term and loan to value.
Checked Nov 11, 2026Source robinsfcu.org
6.09%New76–84 months
NC · SC · VAChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-month price.
Applies to 76-84 month terms. New auto, model years 2025 and newer. APR as low as; rates vary with credit.
Checked Nov 11, 2026Source truliantfcu.org
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
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
6.20%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
6.24%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
6.24%Used79–84 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
6.24%Used67–84 months
FLChecked Nov 11, 2026
Published as 67–84 months, not as its own 84-month price.
Purchase only. 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
6.24%Used76–84 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 2022 or older. APR as low as; rates based on creditworthiness, loan amount, term and vehicle age. Terms of 76+ months need at least $18,000 financed and a 2021 or newer vehicle.
Checked Nov 11, 2026Source wpcu.coop
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
6.25%Used73–84 months
NCChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
Applies to 73-84 month terms. Used auto. APR as low as. Effective 09/28/2026.
Checked Nov 11, 2026Source civicfcu.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
6.30%and upUsed73–84 months
MOChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
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
6.49%UsedUp 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.
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%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%Used73–84 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
6.59%Used76–84 months
NC · SC · VAChecked Nov 11, 2026
Published as 76–84 months, not as its own 84-month price.
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
6.69%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
6.69%Used76–84 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
6.74%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%UsedUp 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. 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%RefiUp 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 refinance interest rates (non-SCCU auto loans only); advertised as up to 84 months.
Checked Nov 10, 2026Source sccu.com
6.74%Refi24–84 months
FLChecked Nov 11, 2026
Published as 24–84 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 24-84 months.
Checked Nov 11, 2026Source additionfi.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
6.74%Used76–84 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
6.79%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%Used76–84 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
6.84%UsedUp 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
6.99%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%Used76–84 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. Used car loans (2024 and older), 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%Used76–84 months
MA · RIChecked Nov 10, 2026
Published as 76–84 months, not as its own 84-month price.
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
6.99%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
7.19%Used73–84 months
MOChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
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
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
7.28%Used73–84 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. 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
7.34%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
7.34%UsedUp 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. 2024-2025; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
7.59%UsedUp 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. 2022-2023; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
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%Used76–84 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
7.74%Used73–84 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
7.79%Used73–84 months
FL · GAChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
Applies to 73-84 month terms. 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
8.00%UsedUp to 84 months
NCChecked Nov 11, 2026
Published as up to 84 months, not as a single monthly term.
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
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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.
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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.
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