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
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
4.84%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
5.24%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
5.29%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%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
5.55%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%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%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%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
5.80%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
5.99%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
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
6.09%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
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.