Best Used Auto Loan Rates — October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Used auto loan rates range from 1.99% to 3.99% APR, verified by MonitorBankRates as of Oct 10, 2026. Top best used auto loan rates rates currently available include: Longshoremen's Local 4 FCU's Used vehicle (1-2 years old) Loan at 1.99% APR, WEPCO Federal Credit Union's New or Used Vehicle Loans - New Model 2026 and Newer at 2.49% APR, United Federal Credit Union's Fixed Rate New & Used Auto Loans at 2.99% APR, WEPCO Federal Credit Union's Used Model Years 2024-2026 Vehicle Loan at 2.99% APR, and Mount Olive Baptist Church Federal Credit Union's Auto Loans - New & Current Year Used Cars, Trucks & non-purchase collateral at 2.99% APR. Rates as of Oct 10, 2026 per MonitorBankRates.
Used auto loan rates vary more than new car rates, making comparison shopping especially valuable. Credit unions and online banks frequently offer the most competitive used vehicle financing — often significantly lower than dealership financing.
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 10, 2026
Compare Used Auto Loan Rates
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
As Low As; Rates effective as of September 1, 2026
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Used Model Years 2024-2026
Published rate range: 2.99% - 11.49%. Rates determined by the overall credit worthiness of each applicant
As Low As; Used Auto Loans
As Low As; Used Auto Loans
As Low As; Used Auto Loans
Refinance Options Available; APR available to borrowers who meet credit requirements
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
Published APR range: 3.24% - 14.49%.
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Published APR range: 3.25% - 14.75%. Model Years: 2017-2026
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.
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
As Low As; Model Year: 2021-2026; APR determined by credit score and model year
No additional details provided.
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Published APR range: 3.35% - 18.00%.
Published APR range: 3.39% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
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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
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
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
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 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.
Payment:
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
Published APR range: 3.50% to 13.50%. Amount Financed: 100% NADA Retail Value; APR*: Rates may vary depending on term and credit worthiness
Rates are based on Beacon score of 730 or higher
APR* - From 81% to 100% LTV Ratio
APR* - From 81% to 100% LTV Ratio
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*
Additional APR listed for this product: 13.00%. Year: 2025-2015
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Credit Score: A 700 & Up
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.
Published APR range: 3.50% - 9.50%. 72 months on $20k+ and 84 months financing on $30k+
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.
No additional details provided.
Published APR range: 3.50%-14.00%. NADA Retail Value Maximum
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; Rates effective September 11th, 2026
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; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026
As Low As
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 - 15.99%. As Low As; Model Year: 2019-2024
As Low As; Evergreen Advantage
As Low As; Evergreen Advantage
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; % Over Index: N/A
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
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
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Published APR range: 3.75% - 15.25%. Model Years: 2017-2026
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; Model Year: All model years; Vehicles with less than 20k miles
As Low As; Model Year: 2022-2026
As Low As; Model Year: 2022-2026
As Low As; Model Year: 2022-2026
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
Additional APR listed for this product: 4.25%, 4.75%, 6.25%. 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
No additional details provided.
No additional details provided.
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No additional details provided.
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%.
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
No additional details provided.
Model Year: 2022 - 2026; Rates effective as of 8/03/26
As Low As; 7 years or newer model years.
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
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; Auto & Recreational Loans
As Low As; Loan Rates table, Annual Percentage Rate (APR)
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
Purchase transactions only. Other conditions may apply.
As Low As
Valuation: NADA Trade-in Value; rates as of 03/18/2026
Rate includes auto-pay discount of .25%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
As Low As; Evergreen Advantage
Published APR range: 3.95% - 18.00%. Minimum loan amount: $20,000.00
As Low As; Pre-Owned (Used) Automobile
APR range: 3.95% - 15.25%; Rate Type: Fixed
No additional details provided.
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.
Model Year: 2026 - 2027; Amount: 90% Financing
May borrow up to 100% of book value, plus sales tax
No additional details provided.
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
No additional details provided.
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; APR*; rates for a limited time only, certain restrictions apply
As Low As; Used vehicle models up to 10 years old; financing up to 100% LTV
Published rate range: 3.99 - 15.74%. Rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; Max Mileage for Auto Loans is 150,000
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; Rates current as of August 1, 2026
As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply
As Low As; Model Year: 2022-2027; Rate based on member relationship; membership eligibility required
Rates may be higher based on credit score; Certain Conditions Apply
Used Auto Loan Rate Trends
Daily average APRs for used vehicle financing
Auto loan rate data from our database of 8,500+ banks and credit unions — updated daily.
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 Used Auto Loan Rates
What are the best used auto loan rates right now?
Why are used car loan rates higher than new?
How old can a vehicle be to qualify for standard financing?
Should I get pre-approved for a used car loan?
Does vehicle mileage affect my loan rate?
Can I get an auto loan with bad credit?
What is the average car loan rate for bad credit?
Top Used Auto Loan Rates
- Longshoremen's Local 4 FCU: 1.99% APR (Used vehicle (1-2 years old) Loan)
- WEPCO Federal Credit Union: 2.49% APR (New or Used Vehicle Loans - New Model 2026 and Newer)
- United Federal Credit Union: 2.99% APR (Fixed Rate New & Used Auto Loans)
- WEPCO Federal Credit Union: 2.99% APR (Used Model Years 2024-2026 Vehicle Loan)
- Mount Olive Baptist Church Federal Credit Union: 2.99% APR (Auto Loans - New & Current Year Used Cars, Trucks & non-purchase collateral)
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