Published rates

Best 96-month auto loan rates

Rows whose published term, range, or maximum includes 96 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.

Last checked Nov 10, 2026.

Lowest match7.69%Navy Federal Credit Union· New · 85–96 months

A 96-month filter includes a published range or maximum that covers 96 months. The label stays the lender’s wording, such as “37–60 months” or “up to 65 months”.

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

2 published rows, lowest APR first.

7.69%

as low as APR

Lowest match

Navy Federal Credit Union

Credit union · New · 85–96 months

Nationwide

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

8.99%

with autopay

as low as APR

Westerly Community Credit Union

Credit union · New · 96 months

Rhode Island

Minimum loan $40,000.

What the lender published

Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer. 8-year term.

Checked Nov 10, 2026Source westerlyccu.com