JustAutoRates

Best 87-month auto loan rates

Checked weeklyUpdated

Every loan you can get for 87 months, including ranges like 76–87 months.

Lowest match

5.74%

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.

Lenders tracked

112

Credit unions and banks

Credit unions average 7.10%.How these averages work: We took each lender’s lowest rate and averaged them: 5 credit unions, 0 banks. We show a bank average once at least 5 banks are listed here.

Lowest rates this week

Top 3 of 6 rates

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  • As low asDirect 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.

    5.74%NewUp to 87 months

    Genisys Credit Union

    MI · MN · PAChecked Nov 11, 2026

    What the lender published

    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

    Calculate payment at 5.74% from Genisys Credit UnionVisit lender ↗
  • As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.

    7.79%New85–96 months

    PSECU

    PAChecked Nov 11, 2026

    Minimum loan $12,000.

    What the lender published

    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 $12,000. Advertised as 85-96 months.

    Checked Nov 11, 2026Source psecu.com

    Calculate payment at 7.79% from PSECUVisit lender ↗

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1 rate from 1 lender · Used · 87m · Sorted by highest APR

About loan terms

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.

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Used

1 rate

As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.

7.79%Used85–96 months

PSECU

PAChecked Nov 11, 2026

Minimum loan $12,000.

What the lender published

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 $12,000. Advertised as 85-96 months.

Checked Nov 11, 2026Source psecu.com

Calculate payment at 7.79% from PSECUVisit 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.

How Our Rate Board Works

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.

  • Straight from the lender

    Every rate comes from the lender’s own website, and we show the date we last checked it.

  • “As low as” rates

    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.

  • Preserved loan terms

    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.”

  • Buying-service rates

    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.

  • 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. 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.

  • Sorting & sponsorships

    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.

  • Disclaimer & independence

    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.

Full methodology: how we check

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