Every loan you can get for 90 months, including ranges like 79–90 months.
Lowest match
6.24%
Lenders tracked
162
Credit unions and banks
Credit unions average 7.39%.How these averages work: We took each lender’s lowest rate and averaged them: 9 credit unions, 0 banks. We show a bank average once at least 5 banks are listed here.
Top 4 of 10 rates
10 rates from 9 lenders · 90m · Sorted by lowest 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.
10 rates
6.24%and upNew85–96 months
OKChecked Nov 11, 2026
Model years 2023 and newer. Advertised as 85-96 months. APR range published for cars, trucks, SUVs, and vans; the low end is the as-low-as rate. Amounts financed over $150,000 add 0.50 points.
Checked Nov 11, 2026Source weokie.org
6.32%NewUp to 90 months
NHChecked Nov 11, 2026
Model year 2026 and newer. Rate as low as 6.25%. Rates effective November 11, 2026. Advertised as up to 90 months.
Checked Nov 11, 2026Source gscu.org
6.87%NewUp to 96 months
NJChecked Nov 11, 2026
New auto, advertised as up to 96 months. APR as low as; rates depend on credit.
Checked Nov 11, 2026Source affinityfcu.com
7.00%New85–96 months
NCChecked Nov 11, 2026
Applies to 85-96 month terms. New auto. APR as low as. Effective 09/28/2026.
Checked Nov 11, 2026Source civicfcu.org
7.09%New76–90 months
NHChecked Nov 11, 2026
Model years 2024-2026. Effective October 9, 2026. Advertised as 76-90 months.
Checked Nov 11, 2026Source bccu.org
7.29%New85–96 months
NC · SC · VAChecked Nov 11, 2026
Applies to 85-96 month terms. New auto, model years 2025 and newer. APR as low as; rates vary with credit.
Checked Nov 11, 2026Source truliantfcu.org
7.69%New85–96 months
NationwideChecked Nov 11, 2026
Minimum loan $30,000.
As low as; excellent credit assumed. Rates as of Nov 11, 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 months.
Checked Nov 11, 2026Source navyfederal.org
7.79%New85–96 months
PAChecked Nov 11, 2026
Minimum loan $12,000.
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 $12,000. Advertised as 85-96 months.
Checked Nov 11, 2026Source psecu.com
7.79%Used85–96 months
PAChecked Nov 11, 2026
Minimum loan $12,000.
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 $12,000. Advertised as 85-96 months.
Checked Nov 11, 2026Source psecu.com
10.19%New88–96 months
VAChecked Nov 11, 2026
Model years 2026-2027, regular rate. Advertised as 88-96 months. APR as low as; minimum loan $40,000. Rates depend on credit. Rates current as of October 26, 2026.
Checked Nov 11, 2026Source nwfcu.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.