Best Auto Loan Rates — October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Auto loan rates range from 1.99% to 3.99% APR, verified by MonitorBankRates as of Oct 12, 2026. Top best auto loan rates rates currently available include: Otero Federal Credit Union's Repossessed Vehicles Loan at 1.99% APR, Boulevard Federal Credit Union's Auto Loan - Models 2025-2027 at 1.99% APR, Local 1233 Federal Credit Union's Car Loan at 1.99% APR, Longshoremen's Local 4 FCU's New vehicle Loan at 1.99% APR, and Longshoremen's Local 4 FCU's Used vehicle (1-2 years old) Loan at 1.99% APR. Rates as of Oct 12, 2026 per MonitorBankRates.
Finding the lowest auto loan rate can save you thousands over the life of your loan. Whether buying new or used, comparing rates across top-rated lenders is critical.
We display transparent financial health metrics — A–F Safety Grades, Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution for your vehicle loan.
Auto loan rates reflect verified offers from lenders actively lending to US borrowers. Last Updated: Oct 12, 2026
Compare Auto Loan Rates
As Low As; Repossessed vehicle loans; rates apply to members with excellent credit histories
As Low As; Terms for models 2025-2027
Credit score 700-749
As low as
Published APR range: 1.99% to 8.75%; Published rate range: 1.99% to 8.75%.
- Oct 1, 20261.99%▼ from 8.75%
- Sep 18, 20268.75%▲ from 1.99%
- Sep 14, 20261.99%first recorded
1 yr. old or newer vehicles. Pending credit approval
As Low As; Monthly Payments; APR Type: Fixed
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000; Loan rates and terms vary depending on year and mileage of vehicle and credit score
20 - 21
As Low As; Monthly Payments; APR Type: Fixed
As Low As; Rates effective as of September 1, 2026
As Low As; Fixed
Credit Grade: A++ (750+)
Credit score 700-749
Year: 2026 2025 2024
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Grade: A+ (800+); Credit score based on TransUnion TruVision
As Low As; Fixed rate for the life of the loan; Rates published as APR
May borrow up to 100% of book value, plus sales tax
Published APR range: 2.99% - 18%.
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Used Model Years 2024-2026
As Low As; Model Year: 2026 and newer; APR determined by credit score and model year
Credit score 650-699
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Maximum Loan Amount: $120,000.00
Published rate range: 2.99% - 11.49%. Rates determined by the overall credit worthiness of each applicant
As Low As; New Auto Loans - as low as 2.99%
As Low As; New Auto Loans - as low as 2.99%
As Low As; Used Auto Loans
As Low As; Used Auto Loans
As Low As; Used Auto Loans
Up to 70% LTV
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
Rates below are based on a minimum credit score of 700.
Grade: Platinum; Collateral Value: 100% LTV
Refinance Options Available; APR available to borrowers who meet credit requirements
As Low As; Auto Loan Rates
Amount Down: 50% or more; Model Year: 2027/2026 New Auto
As Low As; Maximum Age of Vehicle: N/A; Maximum Mileage: N/A; Maximum LTV: 100%
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: N/A; Maximum LTV: 100%
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 100,000; Maximum LTV: 125%
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner). (New Vehicles less than $10,000.00 will be financed no longer than 60 Months)
As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)
GAP (Guaranteed Asset Protection) Insurance Available
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Maximum APR: 12.50%
- Oct 9, 20263.00%▼ from 3.50%
- Sep 14, 20263.50%first recorded
No additional details provided.
Rates as low as 3.00% APR on qualifying 2025-2026 vehicle loans.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Published APR range: 3.15% - 9.15%. 72 months on $20k+ - $84 months on $30k+; * to be considered a NEW vehicle - 25k miles or less - 3 model years or less
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.22%▼ from 3.26%
- Sep 17, 20263.26%▲ from 3.01%
- Sep 14, 20263.01%first recorded
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
As Low As; Rates effective 01/01/2026
As Low As; Up to one model year old
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
Published APR range: 3.24 - 13.99%. Model Year: 2025 and newer; As Low As; Rates as of 10/1/2026
Other printed rates: 9.24% / 10.24% (column unlabeled); Vehicles 15,000 miles or less and one model year old can be included
Published APR range: 3.24% - 14.49%.
Model Year: 2023 - Newer; Effective Date: 9-1-26; APR = Annual Percentage Rate
- Sep 22, 20263.24%▼ from 3.99%
- Sep 14, 20263.99%first recorded
Model/Year: 2019-2026
Published APR range: 3.25% - 8.00%.
Published APR range: 3.25% -8.25%.
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Published APR range: 3.25% - 14.75%. Model Years: 2017-2026
As Low As; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); No prepayment penalties; Rate based on creditworthiness and term of loan
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Maximum Loan $55,000.00; Rates available to current members only
As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)
As Low As
LTV Ratio: 81% to 100%
LTV Ratio: 81% to 100%
As Low As; Maximum term for qualified borrowers; APR determined at application based on credit factors
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
As Low As; Model Year: 2025 or Newer
Maximum APR: 12.75%
- Oct 9, 20263.25%▼ from 3.75%
- Sep 14, 20263.75%first recorded
No additional details provided.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Published APR range: 3.25%-13.00%. 100% Financing
Term: 36 months to 72 months; Published APR range: 3.251% - 16.001%. Financing up to 90% of Kelley's Blue Book value; vehicle must be less than 7 years old; up to $40K for a new car or $35K for a used car; Term depends on age of vehicle; Application fee: $20.00; Requires vehicle description, most recent two pay stubs, proof of rent or mortgage, $50.00 deposit balance, credit union membership and capacity to repay
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
Current Interest Rate Loan Special
As Low As; Model Year: 2021-2026; APR determined by credit score and model year
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; Model Year: 2025-2026
As Low As; Auto & Recreational Loans
Published APR range: 3.35% - 18.00%.
As Low As; Select Your Rate table
Published APR range: 3.39% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
No additional details provided.
No additional details provided.
No additional details provided.
Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.47%▲ from 3.26%
- Sep 17, 20263.26%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.47%▲ from 3.26%
- Sep 17, 20263.26%first recorded
Published APR range: 3.47% to 18.00%. APR Type: Fixed; 72 months for $40,000 and above
- Sep 17, 20263.47%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Vehicles 2025 or newer, new cars only. Amount Financed: 100% financing
Special!
Special!
Special!
Special!
As Low As; APR as low as; Monthly Payment per $1000 not extracted; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
Published APR range: 3.49% - 18.00%.
Published APR range: 3.49% - 18.00%.
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Model Year: 2026 - 2024
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Model Year: 2026-2025
As Low As; Model Year: 2026-2025
Published APR range: 3.49% to 18.00%. Rates displayed reflect max 1.50% discount; subject to credit approval
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.49%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Term: 1-72 month finance period; APR is Annual Percentage Rate; rates subject to change
As Low As
As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
Other printed rates: 9.49% / 10.49% (column unlabeled); Vehicles 15,000 miles or less and one model year old can be included
As Low As; Evergreen Advantage rate
As Low As; Evergreen Advantage rate
As Low As; Financing: 100%; Subject to approval based on credit score
Published rate range: 3.49% - 11.99%. Rates determined by the overall credit worthiness of each applicant, as well as NADA book values for vehicle
Credit Score: 750 plus
- Oct 9, 20263.49%▼ from 13.99%
- Sep 21, 202613.99%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
APR range: 3.49% - 17.99%
As Low As; Model Year: 2025-2026
As Low As; Rates as low as 3.49%** for up to 36 months on 2022 and newer models
Rates based on credit scores; excludes MCU refinances; Payment per $1,000 not included
Rates based on credit scores; excludes MCU refinances
Rates based on credit scores; excludes MCU refinances
Rates based on credit scores; excludes MCU refinances
Rate/APR as low as; Auto rates effective 02/24/2025
As Low As; % Over Index: N/A
Base APR; Financing Term: 12-24 months
As low as
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20263.49%▲ from 3.24%
- Sep 18, 20263.24%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
As Low As; *
Payment:
Model/Year: 2019-2026
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
Published APR range: 3.50% - 9.00%.
Published APR range: 3.50% - 9.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price
Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 3.50% - 9.00%. 100% Financed
As Low As; Loan Amount: 100% Financing
Grade: Platinum; Collateral Value: 100% LTV
Published APR range: 3.50% to 13.50%. Amount Financed: 100% NADA Retail Value; APR*: Rates may vary depending on term and credit worthiness
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
Rates are based on Beacon score of 730 or higher
APR* - From 81% to 100% LTV Ratio
APR* - From 81% to 100% LTV Ratio
GAP (Guaranteed Asset Protection) Insurance Available
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
As Low As; Model Year: 2025-2024 New
Credit score 650-699
As Low As; APR and up
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Model Year: 2025 or Newer
As Low As; Vehicle Loans (New, Used, & Refinanced)
Additional APR listed for this product: 3.75%, 5.25%. As Low As*
Additional APR listed for this product: 4.00%, 5.50%. As Low As*
Additional APR listed for this product: 3.75%, 4.25%, 5.75%. As Low As*
Credit Scores: 800-850; Percent Financed: 100%
Maximum APR: 13.00%
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Additional APR listed for this product: 13.00%. Year: 2025-2015
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
No additional details provided.
Credit Score: B 625-699
- Sep 18, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Credit Score: A 700 & Up
Credit Score: A 700-above; 80% Financing, 20% down required; Includes recreational vehicle loans
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As; Model Year: 2019-2025
As Low As; Zero down (LTV 100% KBB / NADA); Featured rate applicable to FICO 740 and above; Effective: May 1, 2026
As Low As; Zero down (LTV 100% KBB / NADA); Featured rate applicable to FICO 740 and above; Effective: May 1, 2026
As Low As; APR disclosed as simple interest on unpaid balance; Rate based on creditworthiness and term of loan
Amount Financed: 100% NADA Retail/MSRP; APR range: 3.50-9.25%
No additional details provided.
No additional details provided.
Published APR range: 3.50% - 9.50%. 72 months on $20k+ and 84 months financing on $30k+
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Published APR range: 3.50% - 13.75%.
No additional details provided.
Published APR range: 3.50%-14.00%.
Published APR range: 3.50%-14.00%. NADA Retail Value Maximum
As Low As; Effective as of July 17, 2026
Range: 3.59% - 14.69% APR; 30% down for lowest rate; Rate is determined by credit risk score; We lend 100% of Kelly Blue Book - New Car Guide
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.59%▼ from 4.24%
- Sep 14, 20264.24%first recorded
Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000
As Low As; Evergreen Advantage rate
As Low As; Rates effective September 11th, 2026
No additional details provided.
As low as
As low as**; ***; Maximum Loan Amount: $150,000
Published APR range: 3.74% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
As low as; *
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
As Low As
As Low As
Amount Financed: $65,000.00 or less. will finance 100%
No additional details provided.
As Low As; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026
As Low As
As Low As; Rates effective 01/01/2026
Published rate range: 3.74 - 15.49%. Rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; Model Year: 2025-2023
Published APR range: 3.74% to 18.00%. Rates displayed reflect max 1.50% discount; subject to credit approval
No additional details provided.
Published APR range: 3.74 - 15.99%. As Low As; Model Year: 2019-2024
Other printed rates: 9.74% / 10.74% (column unlabeled); Vehicles 15,000 miles or less and one model year old can be included
Other printed rates: 9.74% / 10.74% (column unlabeled)
As Low As; Evergreen Advantage rate
As Low As; Evergreen Advantage
As Low As; Evergreen Advantage
Model Year: NEW; New vehicles only
As Low As; Rate quoted on 36m term; Collateral: 2025 or newer; Mileage: 10,000 or less; Rates based on term selected
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Auto (new/used/refinance); Model Year 2024-2026
As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender.
Rates shown are starting rates. Rates are subject to change at any time. Your actual APR* may vary based on creditworthiness, loan amount, loan term, collateral, and other underwriting factors. Membership and eligibility requirements apply. A 0.25% rate discount is included in the rates shown for members who enroll in AutoPay with direct deposit from a PDCU checking or savings account.
As Low As; 1
Vehicle Year: 2023 and Newer; Existing CCNCU loans excluded; All rates subject to credit approval; APR varies by loan length, credit score, and collateral value
Model Year: 2023 - Newer; Effective Date: 9-1-26; APR = Annual Percentage Rate
- Sep 22, 20263.74%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Vehicle Loan; ACU Rewards offers a .7% reduction in APR if you qualify
As Low As; APR as low as
As Low As; Model Year: 2022 & Newer
As Low As; Model Year: 2022 & Newer
As Low As; Model Year: 2022 & Newer
As Low As; Model Year: 2022 & Newer
As Low As; Auto rates effective 02/24/2025
As Low As; % Over Index: N/A
As Low As; Fewer than 7,500 miles
As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.
As Low As; Fewer than 100,000 miles
Model/Year: 2020-2026
No additional details provided.
Published APR range: 3.75% - 9.75%.
Published APR range: 3.75% - 9.50%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price
Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 3.75% - 9.50%. 100% Financed
As low as
Grade: Platinum; Collateral Value: 100% LTV
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
No additional details provided.
Published APR range: 3.75% - 15.25%. Model Years: 2017-2026
As Low As; Amount: up to 120%
As Low As; Amount: up to 120%
As Low As; Credit Range: 740 and UP; Type: A+
As Low As; Cars, Trucks, Motorcycles
As Low As; Cars, Trucks, Motorcycles
As Low As; Model Year: All model years; Vehicles with less than 20k miles
As Low As; Model Year: 2026-2023; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
Published APR range: 3.75-16.15%.
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As; Terms for models 2025-2027
As Low As; Rate is on approved credit. Terms may apply.
As Low As; Auto loan special; 5 Year Term
Model Year: 2023 - Newer; Credit Score Tier: A (700+)
- Sep 18, 20263.75%▼ from 9.74%
- Sep 17, 20269.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; New car (3 years old or newer); Rate as high as: 9.75% APR
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Effective October 1, 2026; Financing: Up to 80%; 0.25% discount with automatic transfer from Nova UA checking; 0.25% higher without automatic transfer
Effective October 1, 2026; Financing: Up to 80%; 0.25% discount with automatic transfer from Nova UA checking; 0.25% higher without automatic transfer
LTV Ratio: 81% to 100%
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Model Year: 2022-2026
As Low As; Model Year: 2022-2026
As Low As; Model Year: 2022-2026
As Low As; Maximum term for qualified borrowers; APR determined at application based on credit factors
Credit Grade: A (650-719)
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
As Low As; Rates based at 740 and higher credit score; subject to approval
Term: Up to 36 months (2021- 2026); As Low As; Model Year: 2021-2026
Risk based scoring premium may apply by FICO score
- Oct 5, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Credit Score: 760+; Credit Tier: A+
Annual percentage rates may be as low as*
Credit Score: 750 plus
- Oct 9, 20263.75%▼ from 13.99%
- Sep 21, 202613.99%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Model Year: 2023-2026
NEW (2023-2026)
Additional APR listed for this product: 4.25%, 4.75%, 6.25%. As Low As*
Additional APR listed for this product: 4.00%, 6.00%, 7.45%. As low as
Additional APR listed for this product: 13.25%. Year: 2025-2015
- Oct 9, 20263.75%▼ from 4.25%
- Sep 14, 20264.25%first recorded
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
APR range: 3.75% - 7.00%
As Low As; Loan Rates Effective: October 1, 2026
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Payment per thousand column ignored
Current Year (Less Than 15,000 miles); APR range: 3.75% to 16.45%
Current Year (Less Than 15,000 miles); APR range: 3.75% to 16.95%
Current Year (Less Than 15,000 miles); APR range: 3.75% to 17.20%
As Low As; APR range
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Published APR range: 3.75%-15.00%.
Published APR range: 3.75%-15.00%.
As low as 3.75% with Relationship Rewards
Rates shown are the lowest available from Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms avaiable up to 72 months; other rates and terms are also available. Rates are current as of the date published, are subject to change without notice, and are based on credit worthiness. Not all applicants will qualify, and your rate may differ. Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25& APR discount for a 48-month loan term. Terms and conditions apply. Example payment: A $20,000 auto loan finaced for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accruse during the no-payment period. See the credit union for complete details. Federally insured by NCUA.
- Oct 6, 20263.75%▲ from 3.25%
- Sep 30, 20263.25%first recorded
As Low As; Model Year: 2024 & Older; Additional 1.25% for autos 2017-2019; Additional 2.50% for autos 2016 and older
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; Rates effective September 11th, 2026
As Low As; Effective as of July 17, 2026
As Low As; Get Away with a Great Auto Rate; Limited time offer
No additional details provided.
Model Year: 2022 - 2026; Rates effective as of 8/03/26
Published APR range: 3.79% to 18.00%.
Term: Up to 36 months - 84 months; Published APR range: 3.79% - 15.54%.
- Oct 10, 20263.79%▲ from 3.43%
- Sep 14, 20263.43%first recorded
As Low As; 7 years or newer model years.
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; *
As Low As; Model Year: 2025-2026
As low as; applies to refinances, used, and new; Payment flexibility: 60 days with no payments
Published APR range: 3.84% - 7.60%. Based on Credit Score. Minimum auto loan amount is $10,000.00. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate.
As Low As; Evergreen Advantage rate
As Low As; Auto & Recreational Loans
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
New Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20263.84%▼ from 4.74%
- Sep 14, 20264.74%first recorded
Vehicle: New; Additional qualifications may apply
Vehicle: New; Additional qualifications may apply
Vehicle: New; Additional qualifications may apply
Advertised: 3.85% APR for up to 72 Months
As Low As; Loan Rates table, Annual Percentage Rate (APR)
As Low As
As Low As; Rates subject to change.
Vehicle: Used 2023 & Newer; Additional qualifications may apply
Published APR range: 3.89% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
As Low As
As Low As
As Low As
As Low As
As Low As; Effective as of July 17, 2026
Purchase transaction only. Other conditions may apply.
Purchase transactions only. Other conditions may apply.
Published APR range: 3.90% to 16.00%. 125% financing for new purchases
No additional details provided.
As Low As
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify. Rates determined by past credit performance. Up to 15% down payment and tax, title, and license may be required.
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify. Rates determined by past credit performance. Up to 15% down payment and tax, title, and license may be required.
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify. Rates determined by past credit performance. Up to 15% down payment and tax, title, and license may be required.
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify. Rates determined by past credit performance. Up to 15% down payment and tax, title, and license may be required.
Valuation: NADA Trade-in Value; rates as of 03/18/2026
Up to retail value (rates as of 03/18/2026)
Published APR range: 3.90% - 9.90%. 72 months on $20k+ - $84 months on $30k+; * to be considered a NEW vehicle - 25k miles or less - 3 model years or less
Published APR range: 3.90% - 9.90%. 72 months on $20k+ - $84 months on $30k+; * to be considered a NEW vehicle - 25k miles or less - 3 model years or less
As Low As; Limited funds available
Rate includes auto-pay discount of .25%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Rate includes auto-pay discount of .25%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
No additional details provided.
As Low As; .75% discount with direct deposit and automatic payment from Community Choice checking
As Low As; Evergreen Advantage
Published APR range: 3.94% - 14.00%. 100% Financing**
100% Financing
100% Financing
100% Financing
As Low As; APR as low as 3.95% applies to model years 2025 and newer with repayment terms of 12 to 36 months; 84 month repayment term is available for model years 2021 and newer; 100% NADA loan value plus cost of acquisition
- Oct 13, 20263.95%▼ from 4.65%
- Sep 17, 20264.65%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.65%
- Sep 17, 20264.65%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.65%
- Sep 17, 20264.65%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.99%
- Sep 17, 20264.99%first recorded
Published APR range: 3.95% - 18.00%. Minimum loan amount: $20,000.00
No additional details provided.
Grade: A+ (800+); Credit score based on TransUnion TruVision
Grade: A (720-799); Credit score based on TransUnion TruVision
As Low As; Fixed rate for the life of the loan; Rates published as APR
As Low As; Pre-Owned (Used) Automobile
As Low As; Starting at 3.95% APR
Model Year: 2023 and Newer; As Low As
- Sep 18, 20263.95%▼ from 6.25%
- Sep 14, 20266.25%first recorded
Model Year: 2023 and Newer; As Low As
- Sep 18, 20263.95%▼ from 5.95%
- Sep 14, 20265.95%first recorded
Model Year: 2023 and Newer; As Low As
Model Year: 2023 and Newer; As Low As
APR range: 3.95% - 15.25%; Rate Type: Fixed
No additional details provided.
Credit Grade: B Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%first recorded
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%first recorded
No additional details provided.
With Auto Buying Service**; 2025 and Newer
As low as**; ***; Maximum Loan Amount: $150,000
As low as** ***; Loan Amounts: Maximum: $75,000
18 - 19
Term: 48 months - 84 months; Published APR range: 3.99%-9.74%. Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan. WRFCU will finance up to 100% on new model year vehicles of the purchase price plus dealer costs. WRFCU uses Kelly Blue Book (KBB) Values to determine value of used vehicles. WRFCU will finance up to 100% KBB Value on used vehicles. Terms of 72 and 84 Months require a minimum loan of $20,000.
As Low As*
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Amount: 90% Financing
Model Year: 2026 - 2027; Amount: 90% Financing
As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
May borrow up to 100% of book value, plus sales tax; $10,000 minimum for 37-60 months
May borrow up to 100% of book value, plus sales tax
No additional details provided.
No additional details provided.
As Low As; Model Year: 2023 - 2027
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
As Low As; New or used vehicle
As Low As; Terms up to 24 months
No additional details provided.
No additional details provided.
No additional details provided.
With credit score of 700 and above
No additional details provided.
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
No additional details provided.
OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.
As low as
As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points
As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points
Best Rate
As Low As
As Low As
As Low As
As Low As; Auto 0-48 months (up to 110%)
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; APR*; rates for a limited time only, certain restrictions apply
As Low As; Well qualified borrowers; Minimum loan amount $5,000.00; Advertised rate assumes .50% automatic payment discount
As Low As; Well qualified borrowers; Minimum loan amount $5,000.00; Advertised rate assumes .50% automatic payment discount
As Low As; Minimum loan amount: $5,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible
As Low As; Minimum loan amount: $5,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible
As Low As; Used vehicle models up to 10 years old; financing up to 100% LTV
Term: Maximum term to 60 months; As Low As
Term: Maximum term to 72 months; As Low As
Published rate range: 3.99 - 15.74%. Rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; APR or Annual Percentage Rates are listed
As Low As; Minimum of $1,000 loan
Loan Interest Rates - October 2026; Vehicles
Loan Interest Rates - October 2026; Vehicles
Loan Interest Rates - October 2026; Vehicles
As Low As; APR as low as; New autos not previously owned and/or under 10,000 miles; includes .50% reduction for eStatements and Automatic Payments enrollment; Estimated payment per $1,000: $44; Model Year: 2025 - 2027
As Low As; APR as low as; New autos not previously owned and/or under 10,000 miles; includes .50% reduction for eStatements and Automatic Payments enrollment; Estimated payment per $1,000: $30; Model Year: 2025 - 2027
As Low As; APR as low as; New autos not previously owned and/or under 10,000 miles; includes .50% reduction for eStatements and Automatic Payments enrollment; Estimated payment per $1,000: $23; Model Year: 2025 - 2027
As Low As; APR as low as; New autos not previously owned and/or under 10,000 miles; includes .50% reduction for eStatements and Automatic Payments enrollment; Estimated payment per $1,000: $19; Model Year: 2025 - 2027
As Low As; APR as low as; New autos not previously owned and/or under 10,000 miles; includes .50% reduction for eStatements and Automatic Payments enrollment; Estimated payment per $1,000: $16; Model Year: 2025 - 2027
As Low As; Max Mileage for Auto Loans is 150,000
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As Low As
As Low As; Rates current as of August 1, 2026
As Low As; Rates current as of August 1, 2026
As Low As; Model Year: 2026 and newer; APR determined by credit score and model year
As Low As; Amount: 100% Financing
As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply
As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply
As Low As; Model years 2025 or newer
As Low As; Model years 2025 or newer
As Low As; Model Year: 2022-2027; Rate based on member relationship; membership eligibility required
As Low As; Depending on Age; Rates effective as of 1/1/2026
As Low As; Depending on Age
Model Years 2024-2026; lowest possible APR with qualification
As Low As
As Low As
Rates may be higher based on credit score; Certain Conditions Apply
Auto Loan Rate Trends
Daily average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated daily.
New Auto Loan rates rose 0.003 points over the past 7 days to 5.968% APR, up from 5.965% last week.
Used Auto Loan rates fell 0.054 points over the past 7 days to 6.702% APR, down from 6.756% last week.
Bad Credit Auto Loans
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loan Rates
What are the best auto loan rates right now?
Is it better to get an auto loan from a bank or credit union?
What is a good APR for a car loan?
Should I finance through the dealership?
How does loan term affect my payment?
Can I get an auto loan with bad credit?
What is the average car loan rate for bad credit?
Top Auto Loan Rates
- Otero Federal Credit Union: 1.99% APR (Repossessed Vehicles Loan)
- Boulevard Federal Credit Union: 1.99% APR (Auto Loan - Models 2025-2027)
- Local 1233 Federal Credit Union: 1.99% APR (Car Loan)
- Longshoremen's Local 4 FCU: 1.99% APR (New vehicle Loan)
- Longshoremen's Local 4 FCU: 1.99% APR (Used vehicle (1-2 years old) Loan)
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