{"meta":{"generated":"2026-10-13","note":"Lender-published facts only, read from each lender's own pages on 2026-10-13 (rendered in a headless browser or fetched). 'as low as' APRs are advertised rates for top credit, not quotes. null / missing = not published or not found; we leave it out rather than guess. No lender pays for inclusion or rank.","not_included":{"USAA":"usaa.com auto loan pages returned errors / bot blocks from our fetchers on 2026-10-13, so no first-party facts were captured.","Chase Auto":"chase.com auto pages publish no APR, term or amount figures (rates only after you share your info).","BECU":"Only an older rate-sheet PDF was reachable; the current schedule wasn't captured.","Ally":"Its auto financing page requires a login/questionnaire; nothing published to capture."}},"lenders":[{"slug":"navy-federal","name":"Navy Federal Credit Union","kind":"Credit union","url":"https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html","as_of":"2026-10-13","as_of_label":"Rates as of Oct 13, 2026 ET","products":["new","used","refinance"],"membership":"restricted","membership_note":"Membership limited to the military, veterans, DoD and their families.","states_excluded":[],"states_note":null,"min_amount":null,"max_amount":null,"min_by_term":{"84-96":30000},"terms":{"new":[36,60,72,84,96],"used":[36,60,72,84]},"apr":{"new":{"36":3.89,"60":4.29,"72":4.59,"84":5.99,"96":7.39},"used":{"36":4.79,"60":5.29,"72":5.39,"84":6.98}},"apr_note":"Advertised 'as low as' APRs assume excellent credit. Terms over 84 months only for vehicles under 7,500 miles; $30,000 minimum for terms of 84-96 months.","downside":"Only military members, veterans, DoD employees and their families can join.","complaints":"navy-federal"},{"slug":"penfed","name":"PenFed Credit Union","kind":"Credit union","url":"https://www.penfed.org/auto","as_of":"2026-10-01","as_of_label":"Rates current as of October 1, 2026","products":["new","used","refinance"],"membership":"required","membership_note":"PenFed membership required (created during the application).","states_excluded":[],"states_note":"Up to 125% financing available in the U.S., Puerto Rico and Virgin Islands.","min_amount":null,"max_amount":150000,"min_by_term":{"72":15000,"84":20000},"terms":{"new":[36,48,60,72,84],"used":[36,48,60,72,84]},"apr":{"new":{"36":4.19,"48":4.39,"60":4.44,"72":4.79,"84":5.74},"used":{"36":4.79,"48":5.29,"60":5.34,"72":5.39,"84":6.24}},"apr_note":"Standard purchase rates shown; through the PenFed Car Buying Service new-car rates start at 3.39% (36 mo). Minimums of $15,000 for 61-72 months and $20,000 for 73-84 months are stated for new-car loans.","downside":"Its lowest advertised rates need the PenFed Car Buying Service (TrueCar dealers), and PenFed can't refinance an existing PenFed auto loan.","complaints":"penfed"},{"slug":"dcu","name":"DCU (Digital Federal Credit Union)","kind":"Credit union","url":"https://www.dcu.org/borrow/vehicle-loans/auto-loans.html","as_of":"2026-10-13","as_of_label":"Rates are effective October 13, 2026","products":["new","used","refinance"],"membership":"required","membership_note":"DCU membership required.","states_excluded":[],"states_note":null,"min_amount":null,"max_amount":null,"min_by_term":{},"terms":{"new":[36,48,65,72,84],"used":[36,48,65,72,84]},"apr":{"new":{"36":4.99,"48":4.99,"65":4.99,"72":5.49,"84":6.99},"used":{"36":4.99,"48":4.99,"65":4.99,"72":5.49,"84":6.99}},"apr_note":"Same rates for new or used cars, trucks and vans; up to 130% LTV. Published rates include a 0.50% discount for $500+/month direct deposit and electronic loan payments.","downside":"Advertised rates include a 0.50% discount that needs $500+ a month of direct deposit and electronic payments; without it, rates are higher.","complaints":null},{"slug":"consumers","name":"Consumers Credit Union","kind":"Credit union","url":"https://www.myconsumers.org/rates","as_of":"2026-10-12","as_of_label":"Rates effective October 12, 2026","products":["new","used"],"membership":"required","membership_note":"Consumers Credit Union membership required.","states_excluded":[],"states_note":null,"min_amount":null,"max_amount":null,"min_by_term":{},"terms":{"new":[60,72,84],"used":[60,72,84]},"apr":{"new":{"60":4.99,"72":5.49,"84":6.49},"used":{"60":5.49,"72":5.99,"84":6.99}},"apr_note":"New = 2025 and newer model years; used rates shown for 2023-2024 models (2020-2022 from 5.99%, 2019 and older from 8.99%). Rates assume automatic payment; 0.50% lower through its Car Buying Service.","downside":"No lease buyouts or private-party purchases, and older used cars cost more (2019-and-older models from 8.99%).","complaints":null},{"slug":"alliant","name":"Alliant Credit Union","kind":"Credit union","url":"https://www.alliantcreditunion.org/rates/auto-loan-rates","as_of":"2026-10-13","as_of_label":"read Oct 13, 2026 (page shows no date)","products":["new","used","refinance"],"membership":"required","membership_note":"Alliant membership required.","states_excluded":[],"states_note":"Financing available in all 50 states.","min_amount":null,"max_amount":null,"min_by_term":{},"terms":{"new":[60],"used":[60]},"apr":{"new":{"60":6.34},"used":{"60":6.59}},"apr_note":"Only 60-month rates are published ('allowable terms vary by loan amount'). Rates include autopay; 0.4% higher without it.","downside":"Only a 60-month rate is published, and rates are 0.40% higher without autopay.","complaints":null},{"slug":"bank-of-america","name":"Bank of America","kind":"Bank","url":"https://www.bankofamerica.com/auto-loans/auto-loan-rates/","as_of":"2026-10-13","as_of_label":"as of Oct. 13, 2026","products":["new","used"],"membership":"none","membership_note":null,"states_excluded":[],"states_note":"Rates are shown by state on the lender's page; we captured the page's default view.","min_amount":null,"max_amount":null,"min_by_term":{},"terms":{"new":[60],"used":[60]},"apr":{"new":{"60":5.24},"used":{"60":5.44}},"apr_note":"Dealer purchase, 60-month 'as low as' APRs including a limited-time 0.25% rate reduction for applications 10/8/26-10/19/26. Refinance and lease buyout loans are no longer offered.","downside":"The advertised rate includes a limited-time 0.25% cut that ends Oct 19, 2026, only 60-month rates are published, and it no longer refinances.","complaints":"bank-of-america"},{"slug":"us-bank","name":"U.S. Bank","kind":"Bank","url":"https://www.usbank.com/vehicle-loans/auto-loans.html","as_of":"2026-10-13","as_of_label":"read Oct 13, 2026","products":["new","used","refinance"],"membership":"none","membership_note":null,"states_excluded":[],"states_note":"Refinancing is available nationwide except Alaska, Hawaii and New Hampshire. Fees charged in OH and IN increase the APR.","min_amount":null,"max_amount":null,"min_by_term":{},"terms":{"new":[36,48,60],"used":[36,48,60]},"apr":{"new":{"60":6.81},"used":{"60":6.81}},"apr_note":"Dealer purchase loans 'as low as 6.81% APR, up to 60 months'. APR varies with term, model year, LTV, down payment, credit and fees.","downside":"Purchase loans are advertised only up to 60 months, and fees in Ohio and Indiana raise the APR.","complaints":"us-bank"},{"slug":"lightstream","name":"LightStream (Truist)","kind":"Online lender","url":"https://www.lightstream.com/new-car-loan","as_of":"2026-10-13","as_of_label":"read Oct 13, 2026","products":["new","used","refinance"],"membership":"none","membership_note":null,"states_excluded":[],"states_note":null,"min_amount":5000,"max_amount":100000,"min_by_term":{},"terms":null,"apr":{"new":{"any":9.99},"used":{"any":9.99}},"apr_max":17.74,"apr_note":"New and used car loans: 9.99%-17.74% APR with AutoPay (0.50% higher without). Unsecured loan from $5,000 to $100,000. LightStream says terms range from 24-240 months 'depending on the loan type' but doesn't publish the auto-loan term range.","downside":"Its lowest advertised auto APR (9.99% with AutoPay) is far above the other lenders here, and it needs excellent credit for that rate.","complaints":"truist"},{"slug":"capital-one","name":"Capital One Auto Finance","kind":"Bank","url":"https://www.capitalone.com/auto-financing/refinance/faq/","as_of":"2026-10-13","as_of_label":"read Oct 13, 2026","products":["refinance"],"membership":"none","membership_note":null,"states_excluded":["AK","HI"],"states_note":"Refinance applicants need a street address in the contiguous U.S. (not Alaska, Hawaii or Puerto Rico).","min_amount":7500,"max_amount":75000,"min_by_term":{},"terms":null,"apr":null,"apr_note":"No APRs published; refinance only covers vehicles 10 years old or newer. Purchase-loan terms aren't published on the pages we could read, so it isn't matched to the purchase calculator.","downside":"Publishes no APRs, and won't refinance a Capital One loan or a vehicle over 10 years old.","complaints":"capital-one"}]}