Home › Borrow › Loans › Auto lenders
These are the auto lenders we use for the auto loan calculator's 'Lenders that fit these numbers' section. Every figure comes from the lender's own website on the date shown. Advertised rates are for top credit and are not quotes. No lender pays to be listed or ranked, and we're not a lender or broker.
Advertised 'as low as' APR (Rates current as of October 1, 2026): new: 36 mo 4.19%, 48 mo 4.39%, 60 mo 4.44%, 72 mo 4.79%, 84 mo 5.74%; used: 36 mo 4.79%, 48 mo 5.29%, 60 mo 5.34%, 72 mo 5.39%, 84 mo 6.24%.
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.
Loans: new, used, refinance · Amount: up to $150,000 · Who can apply: PenFed membership required (created during the application). · States: Up to 125% financing available in the U.S., Puerto Rico and Virgin Islands.
Downside: Its lowest advertised rates need the PenFed Car Buying Service (TrueCar dealers), and PenFed can't refinance an existing PenFed auto loan.
Advertised 'as low as' APR (Rates are effective October 13, 2026): new: 36 mo 4.99%, 48 mo 4.99%, 65 mo 4.99%, 72 mo 5.49%, 84 mo 6.99%; used: 36 mo 4.99%, 48 mo 4.99%, 65 mo 4.99%, 72 mo 5.49%, 84 mo 6.99%.
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.
Loans: new, used, refinance · Amount: not published · Who can apply: DCU membership required.
Downside: Advertised rates include a 0.50% discount that needs $500+ a month of direct deposit and electronic payments; without it, rates are higher.
Advertised 'as low as' APR (Rates effective October 12, 2026): new: 60 mo 4.99%, 72 mo 5.49%, 84 mo 6.49%; used: 60 mo 5.49%, 72 mo 5.99%, 84 mo 6.99%.
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.
Loans: new, used · Amount: not published · Who can apply: Consumers Credit Union membership required.
Downside: No lease buyouts or private-party purchases, and older used cars cost more (2019-and-older models from 8.99%).
Advertised 'as low as' APR (read Oct 13, 2026 (page shows no date)): new: 60 mo 6.34%; used: 60 mo 6.59%.
Only 60-month rates are published ('allowable terms vary by loan amount'). Rates include autopay; 0.4% higher without it.
Loans: new, used, refinance · Amount: not published · Who can apply: Alliant membership required. · States: Financing available in all 50 states.
Downside: Only a 60-month rate is published, and rates are 0.40% higher without autopay.
Advertised 'as low as' APR (as of Oct. 13, 2026): new: 60 mo 5.24%; used: 60 mo 5.44%.
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.
Loans: new, used · Amount: not published · Who can apply: No membership required · States: Rates are shown by state on the lender's page; we captured the page's default view.
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.
Advertised 'as low as' APR (read Oct 13, 2026): new: 60 mo 6.81%; used: 60 mo 6.81%.
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.
Loans: new, used, refinance · Amount: not published · Who can apply: No membership required · States: Refinancing is available nationwide except Alaska, Hawaii and New Hampshire. Fees charged in OH and IN increase the APR.
Downside: Purchase loans are advertised only up to 60 months, and fees in Ohio and Indiana raise the APR.
Advertised 'as low as' APR (read Oct 13, 2026): new: 9.99%; used: 9.99%.
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.
Loans: new, used, refinance · Amount: $5,000 to $100,000 · Who can apply: No membership required
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.
Advertised 'as low as' APR (read Oct 13, 2026): Not published.
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.
Loans: refinance · Amount: $7,500 to $75,000 · Who can apply: No membership required · States: Refinance applicants need a street address in the contiguous U.S. (not Alaska, Hawaii or Puerto Rico).
Downside: Publishes no APRs, and won't refinance a Capital One loan or a vehicle over 10 years old.
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. Data file: auto-lenders.json.
No. They are each lender's advertised 'as low as' APRs for borrowers with excellent credit, with the date we read them. Your rate depends on your credit, the vehicle and the term.
No. Lenders are listed and ranked only by published facts, and we earn nothing if you click.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.