Best Used Auto Loan Rates — June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top best used auto loan rates rates currently available include: WEPCO Federal Credit Union's New or Used Vehicle Loans at 2.49% APR, Ohio County Public Schools Federal Credit Union's Used Vehicle - Model Year Already Titled - 1999 Loan at 2.50% APR, Rio Grande Federal Credit Union's Used Auto Loans at 2.89% APR, Internal Revenue Employees Federal Credit Union's Used Car Loan at 2.90% APR, and Guardian Credit Union Montgomery, AL's New & Used Autos, Truck, Vans at 2.95% APR. Rates as of Jun 23, 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: Jun 23, 2026
Compare Used Auto Loan Rates
As Low As
Interest Rate may vary depending on ones credit worthiness and term of loan.
As Low As; 72 month term rates begin at 2.99%
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As low as
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As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As
As Low As; Modal Year: 2020-2025
As Low As
As Low As
Refinance Options Available
As Low As; Payment Per $1000: $29.13
As Low As; Highest APR* is 18.00% (Autos up to 10 years old)
APR*
As Low As; Minimum Financing of $10,000 for 60 Months
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $35 application fee) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
Credit Score: A 700 & Up
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All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Qualifications Required: Must provide a vehicle description; most recent two pays stubs; proof of rent or mortgage; be a credit union member; demonstrate the capacity to repay the loan; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. You can borrow up to $40K for a new car or $35K for a used car. Application fee: $20.00
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2022 or Newer vehicle
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As Low As; Minimum Financing of $15,000 for 72 Months
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As Low As; Payment: $29.30 per $1,000
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2016-2019
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Model Years 2026 - 2024. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.
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APR as low as
Credit Score: A 700 & Up
NADA Retail Value Maximum
As Low As; Vehicles with less than 20k miles
100% NADA Retail Value
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As Low As
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
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Fixed
Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
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As Low As; Model Year: 2023-2027
As Low As; Minimum Financing of $10,000 for 60 Months
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APR as low as
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APR*
APR*
APR*
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As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Vehicles with less than 20k miles
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
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All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
As Low As; Fixed; Terms from 36 to 84 months with Direct Deposit
Rate: 3.79% - 15.04%
As low as
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As Low As
The following rates may be higher based on your credit score: Rates are based on credit worthiness of the applicant. Rates are subject to change.
As Low As; * (based on credit score)
As Low As; Model Year: 2023-2027
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Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
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As Low As; Used Autos (2024-2020)
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Minimum Loan Amount: Min $5k
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APR varies by term. Terms up to 6 years. Apply Online
As Low As; MemPerx Max Benefit: as low as 3.59% APR
90% Financing
2023-New
As low as*
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
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As Low As; New or used vehicle
Used Auto (2021 - 2025)
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As
As Low As
As Low As
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Rate: 3.99% - 15.24%
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As Low As; Modal Year: 2020-2025
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As Low As; Minimum Loan Amount: $5,000.00
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
As Low As; *
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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APR as low as
APR as low as
Maximum APR: 13.50%
Credit Score: A 700 & Up
Model year 2022 or older
As Low As
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APR*
As Low As; Terms up to 72 months available.**
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; 2020 & newer; Vehicles with less than 20k miles
As Low As
100% NADA Retail Value
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As Low As
As Low As
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Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
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All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
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As Low As; Model Years 2019-2025
As Low As; Model Years: 2019-2025
As Low As
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As Low As
As Low As; Payment Per $1000: $22.63
As Low As; 2025 to 2026
1 Rates shown are for new and used vehicles model years 2021-2026. 2 See dealer for details.
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Best APR: 2.70%
Best APR: 2.70%
Best APR: 2.70%
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Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; Model Year: 2023-2027
As Low As; Up to 120% Financing on Approved Credit
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As Low As; Rates and terms may vary depending on credit qualifications, direct deposit, and automatic payments from a 1DCU Checking or Savings account. Rates and terms are subject to change without notice. Monthly payment example per $1,000 borrowed on a loan term of 48 months at a rate of 3.00% Annual Percentage Rate is $42.98. APR varies based on model year, term, and credit score. All loans subject to approval. Membership required.
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Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay. 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
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As Low As; Minimum Financing of $25,000 for 84 Months
Up to 135% of Car Value
Up to 135% of Car Value
Model Year 2027-2024
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As Low As; - Minimum of $1,000 loan
As Low As; Rates based on term selected.
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
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 rose 0.018 points over the past 7 days to 6.512% APR, up from 6.493% last week.
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?
Top Used Auto Loan Rates
- WEPCO Federal Credit Union: 2.49% APR (New or Used Vehicle Loans)
- Ohio County Public Schools Federal Credit Union: 2.50% APR (Used Vehicle - Model Year Already Titled - 1999 Loan)
- Rio Grande Federal Credit Union: 2.89% APR (Used Auto Loans)
- Internal Revenue Employees Federal Credit Union: 2.90% APR (Used Car Loan)
- Guardian Credit Union Montgomery, AL: 2.95% APR (New & Used Autos, Truck, Vans)
Rates & Resources
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