Best Used Auto Loan Rates — August 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: LONGSHOREMENS LOCAL 4's Used vehicle (1-2 years old) Loan at 1.99% APR, Special Metals FCU's Used Vehicles: 2010 - 2019 36 Months Loan at 1.99% APR, Mclennan County Employees Federal Credit Union's Used Vehicles - 2016-2017 Loan at 2.00% APR, Mclennan County Employees Federal Credit Union's Used Vehicles - 2018-2020 Loan at 2.00% APR, and Special Metals FCU's Used Vehicles: 2010 - 2019 46 Months Loan at 2.24% APR. Rates as of Aug 28, 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: Aug 28, 2026
Compare Used Auto Loan Rates
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As Low As; With Approved Credit
As Low As; With Approved Credit
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As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
As Low As
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***6 year term available for loans $28,000+ ONLY
Score: 700 and Up (Max $50,000 and Up)
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As low as 2.89%; 72 month term rates begin at 2.99%
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As Low As
A+ (800+)
Vehicle Model Years: All Years**; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As
As low as; 2020-2025
As Low As; With qualifying credit and direct deposit with automatic payment.
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As Low As; Rate is "as low as" and may change based on credit history, term, and other determining factors. 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. For additional terms, please contact our Lending department at 586-466-7800 opt. 3
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.
Refinance Options Available
As Low As; Maximum term to 36 months
Rates based on a FICO score 720 or above and subject to change. APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Fixed
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As
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Must add 1% to vehicles >100k miles. Must use J.D. Power retail on new 2019 models.
As Low As; Must add 1% to vehicles >100k miles Must use J.D. Power retail on new 2019 models
Used Vehicle (2015 - 2018)
As low as
Rates as low as*
As low as
As low as
Score: 700 and Up (Max $50,000 and Up)
Collateral Value: 100% LTV
Finance up to 125% MSRP (new vehicles) or NADA (used vehicles)2; No prepayment penalties; Refinance existing Auto Loans for cash out or lower payments; Take a pre-approved loan to the dealer when you shop; Keys FCU is an ITIN-approved lender!
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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. Example payment: A $20,000 auto loan financed 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 accrue during the no-payment period.
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and 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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As low as
Vehicle Model Years: All Years**; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
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As Low As
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As Low As; Minimum Financing of $15,000 for 72 Months
As Low As
Rates and terms are based on Excel FCU underwriting criteria, a $3,000 minimum and are subject to change without notice. Existing Excel FCU loans are ineligible for refinance. The discounted rate as low as 3.49% APR* is based on 3.99% APR* less 0.50% APR* with an Excel checking account in good standing with payroll direct deposit and automatic loan payments. The first payment is due within 90 days of loan disbursement. Interest continues to accrue. This offer is subject to change without notice. Rates effective 05/08/2026. For no payment for 90 days interest and payment will be added to end of loan term. Interest accrues from date of funding. The discounted annual percentage rate is based on a half percent less than the annual percentage rate loan rate you qualify for and requires an Excel checking account in good standing with payroll direct deposit and automatic loan payments. Rates and Terms based on Excel FCU underwriting criteria. Offer subject to change without notice. Minimum auto loan amount is $3,000. Existing loans with Excel are not eligible for this promotion.
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Rate (APR)* as low as
As Low As
As Low As
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See Details
As Low As; For more information and to apply, please visit our Vehicle Loans page.
2016-2019
APR*
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APR*
Score: 700 and Up (Max $50,000 and Up)
100% NADA Retail Value
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Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Credit Score: A++ (750+)
As Low As
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
APR as low as
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As low as
100% NADA Retail/MSRP
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NADA Retail Value Maximum
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As low as
Used Auto (2023 & Older) 100% of NADA plus taxes and fees. ** 2016 and older cannot exceed a 36-month term
Vehicle Model Years: All Years**; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As; Rate includes auto-pay discount of .25%
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; 2025-2023
Model Year: 2019-2024
Must add 1% to vehicles >100k miles. Must use J.D. Power retail on new 2019 models.
As Low As; Must add 1% to vehicles >100k miles Must use J.D. Power retail on new 2019 models
Used Vehicle (2014 and older)
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
Fewer than 100,000 miles
APR*
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APR*
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Collateral Value: 100% LTV
As Low As; up to 120%
All model years; Vehicles with less than 20k miles
Amount Down: 50%
50% Down
Credit Score: A+ (720-749)
Credit Score: A++ (750+)
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
APR as low as
APR as low as
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
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As Low As; SPECIALS!
As Low As; depending on loan amount
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Used Auto (2023 & Older) 100% of NADA plus taxes and fees. ** 2016 and older cannot exceed a 36-month term
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As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
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As low as
Model Year: 2024
Model Year: 2025
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As Low As
A (720-799)
A+ (800+)
Fixed. Your rate will be based on your credit score at the time the loan is requested.
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As low as** 3.99%***; Maximum: $75,000
18 - 19
2025 - 2026; 90% Financing
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As Low As; New or used vehicle up to 36 months.
2021 - 2025
No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates.
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LTV: 125% NADA with GAP
Rates are for a limited time only, and certain restrictions apply. Please check with the Loan Department for details.
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As Low As
As Low As
Rate (APR)* as low as
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 0.125 points over the past 7 days to 6.603% APR, up from 6.478% 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
- LONGSHOREMENS LOCAL 4: 1.99% APR (Used vehicle (1-2 years old) Loan)
- Special Metals FCU: 1.99% APR (Used Vehicles: 2010 - 2019 36 Months Loan)
- Mclennan County Employees Federal Credit Union: 2.00% APR (Used Vehicles - 2016-2017 Loan)
- Mclennan County Employees Federal Credit Union: 2.00% APR (Used Vehicles - 2018-2020 Loan)
- Special Metals FCU: 2.24% APR (Used Vehicles: 2010 - 2019 46 Months Loan)
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