Every loan you can get for 90 months, including ranges like 79–90 months.
Lowest match
4.99%
Lenders tracked
231
Credit unions and banks
Credit unions average 7.34%.How these averages work: We took each lender’s lowest rate and averaged them: 15 credit unions, 0 banks. We show a bank average once at least 5 banks are listed here.
Top 4 of 18 rates
3 rates from 3 lenders · Used · 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.
3 rates
6.27%Used85–90 months
LAChecked Nov 11, 2026
Used auto loans. Advertised as 85-90 months. APR as low as. Rates effective November 11, 2026.
Checked Nov 11, 2026Source pelicancu.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
9.29%Used85–96 months
SCChecked Nov 11, 2026
Used cars and trucks up to 3 years old (model years 2023 and newer get the same rate as new). Advertised as 85-96 months. APR as low as; rate depends on credit, amount financed, and term.
Checked Nov 11, 2026Source palmettocitizens.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.