JustAutoRates

Best 87-month auto loan rates

Checked weeklyUpdated

Rows whose published term, range, or maximum includes 87 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

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: A simple average of one number per lender: the lowest published APR from each of the 5 credit unions with rates for 87-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: no banks have rates here, and we compare once at least 5 do. Rates are checked weekly.

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

    Published as up to 87 months, not as a single monthly term.

    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

    Published as 85–96 months, not as its own 96-month price.

    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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5 rates from 5 lenders · New · 87m · Sorted by lowest APR

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5 rates

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

Published as up to 87 months, not as a single monthly term.

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 asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

7.00%New85–96 months

Civic Federal Credit Union

NCChecked Nov 11, 2026

Published as 85–96 months, not as its own 96-month price.

What the lender published

Applies to 85-96 month terms. New auto. APR as low as. Effective 09/28/2026.

Checked Nov 11, 2026Source civicfcu.org

Calculate payment at 7.00% from Civic Federal Credit UnionVisit lender ↗
As low asMilitary & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.

7.69%New85–96 months

Navy Federal Credit Union

NationwideChecked Nov 10, 2026

Published as 85–96 months, not as its own 96-month price.

Minimum loan $30,000.

What the lender published

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 85-96 months. Minimum loan amount is $30,000 for terms of 84-96 / 85-96 months (page wording varies).

Checked Nov 10, 2026Source navyfederal.org

Calculate payment at 7.69% from Navy Federal 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

Published as 85–96 months, not as its own 96-month price.

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.

  • Direct source data

    Each row displays rate data gathered directly from the lender’s official website, checked on the date indicated.

  • “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 calculations remain labeled as estimates or examples. Where a lender does not specify a loan term, the table marks it as “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 rows are tagged. JustAutoRates is not 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

    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.

  • 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

The weekly five

The 5 lowest published rates each week. One clean line per lender, straight to your inbox.