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Lowest auto loan rate: 4.29% APR

245 offers from 9 institutions · Advertised auto loan APRs, lowest first.

Lowest APR

4.29%
Delta Community Credit Union
New Car Loan · 24 months

recorded 2026-11-01 · source ↗

245 offers9 institutionsmedian 6.98%

Spread of recorded rates

4.3%5.5%6.8%8.0%9.3%10.5%11.8%

Jump to: 2 years · 3 years · 4 years · 5 years · 66 months · 6 years · 75 months · 7 years · 8 years · 10 years · 12 years · 15 years · 20 years · No fixed term

2 years lowest 4.29% · 9 offers

01
Delta Community Credit Union
New Car Loan
Auto loans · 24 months · View at bank ↗
4.29 % APRrecorded 2026-11-01
02
Randolph-Brooks Federal Credit Union
Auto/Truck
Auto loans · 24 months · APR 4.490 to 18.000 · View at bank ↗
4.490 % APRrecorded 2026-11-01
03
Delta Community Credit Union
Used Car Loan
Auto loans · 24 months · View at bank ↗
4.59 % APRrecorded 2026-11-01
04
Randolph-Brooks Federal Credit Union
Motorcycle
Auto loans · 24 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
05
Randolph-Brooks Federal Credit Union
ATV/Personal Watercraft/UTV
Auto loans · 24 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
06
Randolph-Brooks Federal Credit Union
Specialized Collateral
Auto loans · 24 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
07
Randolph-Brooks Federal Credit Union
VehicleVantage Auto/Truck
Auto loans · 24 months · APR 6.490 to 18.000 · View at bank ↗
6.490 % APRrecorded 2026-11-01
08
Delta Community Credit Union
Other Vehicle Loan
Auto loans · 24 months · View at bank ↗
6.59 % APRrecorded 2026-11-01
09
Delta Community Credit Union
Small Vehicle Loan
Auto loans · 24 months · View at bank ↗
8.25 % APRrecorded 2026-11-01

3 years lowest 4.29% · 16 offers

01
Delta Community Credit Union
New Car Loan
Auto loans · 36 months · View at bank ↗
4.29 % APRrecorded 2026-11-01
02
Randolph-Brooks Federal Credit Union
Auto/Truck
Auto loans · 36 months · APR 4.490 to 18.000 · View at bank ↗
4.490 % APRrecorded 2026-11-01
03
Delta Community Credit Union
Used Car Loan
Auto loans · 36 months · View at bank ↗
4.59 % APRrecorded 2026-11-01
04
UW Credit Union
Used Auto Loans
Auto loans · 36 Months · View at bank ↗
5.47 % APRrecorded 2026-11-01
05
Lake Trust Credit Union
Auto Loan
Auto loans · New - 2024 · up to 36 months · View at bank ↗
5.64 % APRrecorded 2026-11-01
06
Lake Trust Credit Union
Auto Loan
Auto loans · 2018 - 2023 (145K miles or less) · up to 36 months · View at bank ↗
5.89 % APRrecorded 2026-11-01
07
Randolph-Brooks Federal Credit Union
Motorcycle
Auto loans · 36 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
08
Randolph-Brooks Federal Credit Union
Boat & Trailer
Auto loans · 36 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
09
Randolph-Brooks Federal Credit Union
RV/Motor Home / Travel Trailer
Auto loans · 36 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
10
Randolph-Brooks Federal Credit Union
ATV/Personal Watercraft/UTV
Auto loans · 36 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
11
Randolph-Brooks Federal Credit Union
Specialized Collateral
Auto loans · 36 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
12
Lake Trust Credit Union
Auto Loan
Auto loans · 2017 & Older (145K miles or less) · up to 36 months · View at bank ↗
6.49 % APRrecorded 2026-11-01
13
Randolph-Brooks Federal Credit Union
VehicleVantage Auto/Truck
Auto loans · 36 months · APR 6.490 to 18.000 · View at bank ↗
6.490 % APRrecorded 2026-11-01
14
Delta Community Credit Union
Other Vehicle Loan
Auto loans · 36 months · View at bank ↗
6.59 % APRrecorded 2026-11-01
15
Delta Community Credit Union
Small Vehicle Loan
Auto loans · 36 months · View at bank ↗
8.50 % APRrecorded 2026-11-01

4 years lowest 4.29% · 18 offers

01
Delta Community Credit Union
New Car Loan
Auto loans · 48 months · View at bank ↗
4.29 % APRrecorded 2026-11-01
02
Randolph-Brooks Federal Credit Union
Auto/Truck
Auto loans · 48 months · APR 4.490 to 18.000 · View at bank ↗
4.490 % APRrecorded 2026-11-01
03
Delta Community Credit Union
Used Car Loan
Auto loans · 48 months · View at bank ↗
4.59 % APRrecorded 2026-11-01
04
Patelco Credit Union
Vehicle Loans
Auto loans · New Auto (2025 or newer) Up to 140% financing · 0 to 48 months · View at bank ↗
5.19 % APRrecorded 2026-11-01
05
Patelco Credit Union
Vehicle Loans
Auto loans · Used Auto (2024 - 2016) Up to 140% of Blue Book Maximum 150,000 miles · 0 to 48 months · View at bank ↗
5.39 % APRrecorded 2026-11-01
06
UW Credit Union
New Auto Loans
Auto loans · 48 Months · View at bank ↗
5.47 % APRrecorded 2026-11-01
07
UW Credit Union
Used Auto Loans
Auto loans · 48 Months · View at bank ↗
5.67 % APRrecorded 2026-11-01
08
Lake Trust Credit Union
Auto Loan
Auto loans · New - 2024 · up to 48 months · View at bank ↗
5.74 % APRrecorded 2026-11-01
09
Randolph-Brooks Federal Credit Union
Motorcycle
Auto loans · 48 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
10
Randolph-Brooks Federal Credit Union
ATV/Personal Watercraft/UTV
Auto loans · 48 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
11
Randolph-Brooks Federal Credit Union
Specialized Collateral
Auto loans · 48 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
12
Lake Trust Credit Union
Auto Loan
Auto loans · 2018 - 2023 (145K miles or less) · up to 48 months · View at bank ↗
5.99 % APRrecorded 2026-11-01
13
UW Credit Union
Boat & RV Loans
Auto loans · 48 Months · View at bank ↗
6.47 % APRrecorded 2026-11-01
14
Randolph-Brooks Federal Credit Union
VehicleVantage Auto/Truck
Auto loans · 48 months · APR 6.490 to 18.000 · View at bank ↗
6.490 % APRrecorded 2026-11-01
15
Delta Community Credit Union
Other Vehicle Loan
Auto loans · 48 months · View at bank ↗
6.59 % APRrecorded 2026-11-01

5 years lowest 4.29% · 25 offers

01
Delta Community Credit Union
New Car Loan
Auto loans · 60 months · View at bank ↗
4.29 % APRrecorded 2026-11-01
02
Randolph-Brooks Federal Credit Union
Auto/Truck
Auto loans · 60 months · APR 4.490 to 18.000 · View at bank ↗
4.490 % APRrecorded 2026-11-01
03
Delta Community Credit Union
Used Car Loan
Auto loans · 60 months · View at bank ↗
4.59 % APRrecorded 2026-11-01
04
FourLeaf Federal Credit Union (formerly Bethpage)
New Auto
Auto loans · 60 months · View at bank ↗
5.53 % APRrecorded 2026-11-01
05
UW Credit Union
New Auto Loans
Auto loans · 60 Months · View at bank ↗
5.77 % APRrecorded 2026-11-01
06
FourLeaf Federal Credit Union (formerly Bethpage)
Pre-Owned
Auto loans · 60 months · View at bank ↗
5.88 % APRrecorded 2026-11-01
07
UW Credit Union
Used Auto Loans
Auto loans · 60 Months · View at bank ↗
5.92 % APRrecorded 2026-11-01
08
Randolph-Brooks Federal Credit Union
Motorcycle
Auto loans · 60 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
09
Randolph-Brooks Federal Credit Union
Boat & Trailer
Auto loans · 60 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
10
Randolph-Brooks Federal Credit Union
RV/Motor Home / Travel Trailer
Auto loans · 60 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
11
Randolph-Brooks Federal Credit Union
ATV/Personal Watercraft/UTV
Auto loans · 60 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
12
Randolph-Brooks Federal Credit Union
Specialized Collateral
Auto loans · 60 months · APR 5.950 to 18.000 · View at bank ↗
5.950 % APRrecorded 2026-11-01
13
Lake Trust Credit Union
Auto Loan
Auto loans · New - 2024 · up to 60 months · View at bank ↗
6.29 % APRrecorded 2026-11-01
14
Lake Trust Credit Union
Auto Loan
Auto loans · 2018 - 2023 (145K miles or less) · up to 60 months · View at bank ↗
6.39 % APRrecorded 2026-11-01
15
UW Credit Union
Boat & RV Loans
Auto loans · 60 Month · View at bank ↗
6.47 % APRrecorded 2026-11-01

66 months lowest 4.750% · 11 offers

01
Randolph-Brooks Federal Credit Union
Auto/Truck
Auto loans · 66 months · APR 4.750 to 18.000 · View at bank ↗
4.750 % APRrecorded 2026-11-01
02
Patelco Credit Union
Vehicle Loans
Auto loans · New Auto (2025 or newer) Up to 140% financing · 49 to 66 months · View at bank ↗
5.19 % APRrecorded 2026-11-01
03
Patelco Credit Union
Vehicle Loans
Auto loans · Used Auto (2024 - 2016) Up to 140% of Blue Book Maximum 150,000 miles · 49 to 66 months · View at bank ↗
5.39 % APRrecorded 2026-11-01
04
Randolph-Brooks Federal Credit Union
Motorcycle
Auto loans · 66 months · APR 6.750 to 18.000 · View at bank ↗
6.750 % APRrecorded 2026-11-01
05
Randolph-Brooks Federal Credit Union
Boat & Trailer
Auto loans · 66 months · APR 6.750 to 11.750 · View at bank ↗
6.750 % APRrecorded 2026-11-01
06
Randolph-Brooks Federal Credit Union
RV/Motor Home / Travel Trailer
Auto loans · 66 months · APR 6.750 to 11.750 · View at bank ↗
6.750 % APRrecorded 2026-11-01
07
Randolph-Brooks Federal Credit Union
ATV/Personal Watercraft/UTV
Auto loans · 66 months · APR 6.750 to 18.000 · View at bank ↗
6.750 % APRrecorded 2026-11-01
08
Randolph-Brooks Federal Credit Union
Specialized Collateral
Auto loans · 66 months · APR 6.750 to 18.000 · View at bank ↗
6.750 % APRrecorded 2026-11-01
09
Lake Trust Credit Union
Motorcycle Loan
Auto loans · New - 2025 · up to 66 months · View at bank ↗
7.24 % APRrecorded 2026-11-01
10
Lake Trust Credit Union
Motorcycle Loan
Auto loans · 2020 - 2024 · up to 66 months · View at bank ↗
7.74 % APRrecorded 2026-11-01
11
Lake Trust Credit Union
Motorcycle Loan
Auto loans · 2019 & Older · up to 66 months · View at bank ↗
8.74 % APRrecorded 2026-11-01

6 years lowest 4.750% · 17 offers

01
Randolph-Brooks Federal Credit Union
Auto/Truck
Auto loans · 72 months · APR 4.750 to 18.000 · View at bank ↗
4.750 % APRrecorded 2026-11-01
02
Patelco Credit Union
Vehicle Loans
Auto loans · New Auto (2025 or newer) Up to 140% financing · 67 to 72 months · View at bank ↗
5.34 % APRrecorded 2026-11-01
03
Patelco Credit Union
Vehicle Loans
Auto loans · Used Auto (2024 - 2016) Up to 140% of Blue Book Maximum 150,000 miles · 67 to 72 months · View at bank ↗
5.49 % APRrecorded 2026-11-01
04
FourLeaf Federal Credit Union (formerly Bethpage)
New Auto
Auto loans · 72 months · View at bank ↗
5.68 % APRrecorded 2026-11-01
05
FourLeaf Federal Credit Union (formerly Bethpage)
Pre-Owned
Auto loans · 72 months · View at bank ↗
5.88 % APRrecorded 2026-11-01
06
UW Credit Union
New Auto Loans
Auto loans · 72 Months · View at bank ↗
5.92 % APRrecorded 2026-11-01
07
Randolph-Brooks Federal Credit Union
VehicleVantage Auto/Truck
Auto loans · 72 months · APR 6.750 to 18.000 · View at bank ↗
6.750 % APRrecorded 2026-11-01
08
Randolph-Brooks Federal Credit Union
Motorcycle
Auto loans · 72 months · APR 6.750 to 18.000 · View at bank ↗
6.750 % APRrecorded 2026-11-01
09
Randolph-Brooks Federal Credit Union
ATV/Personal Watercraft/UTV
Auto loans · 72 months · APR 6.750 to 18.000 · View at bank ↗
6.750 % APRrecorded 2026-11-01
10
Randolph-Brooks Federal Credit Union
Specialized Collateral
Auto loans · 72 months · APR 6.750 to 18.000 · View at bank ↗
6.750 % APRrecorded 2026-11-01
11
UW Credit Union
Used Auto Loans
Auto loans · 72 Months · View at bank ↗
6.98 % APRrecorded 2026-11-01
12
Delta Community Credit Union
Other Vehicle Loan
Auto loans · 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only · View at bank ↗
7.09 % APRrecorded 2026-11-01
13
Patelco Credit Union
Boats, Motorhomes, Travel Trailers
Auto loans · Boat, Motorhome, and Travel Trailer Loans New (2025 or newer) · 61 to 72 months · View at bank ↗
7.24 % APRrecorded 2026-11-01
14
UW Credit Union
Boat & RV Loans
Auto loans · 72 Month · View at bank ↗
7.47 % APRrecorded 2026-11-01
15
Patelco Credit Union
Boats, Motorhomes, Travel Trailers
Auto loans · Boat, Motorhome, and Travel Trailer Loans Used (2024 - 2016) · 61 to 72 months · View at bank ↗
7.74 % APRrecorded 2026-11-01

75 months lowest 6.39% · 2 offers

01
Lake Trust Credit Union
Auto Loan
Auto loans · New - 2024 · up to 75 months · View at bank ↗
6.39 % APRrecorded 2026-11-01
02
Lake Trust Credit Union
Auto Loan
Auto loans · 2018 - 2023 (145K miles or less) · up to 75 months · View at bank ↗
6.49 % APRrecorded 2026-11-01

7 years lowest 5.64% · 34 offers

01
Patelco Credit Union
Vehicle Loans
Auto loans · New Auto (2025 or newer) Up to 140% financing · 73 to 84 months · View at bank ↗
5.64 % APRrecorded 2026-11-01
02
Patelco Credit Union
Vehicle Loans
Auto loans · Used Auto (2024 - 2016) Up to 140% of Blue Book Maximum 150,000 miles · 73 to 84 months · View at bank ↗
5.79 % APRrecorded 2026-11-01
03
Randolph-Brooks Federal Credit Union
Auto/Truck
Auto loans · 78 months · APR 6.000 to 18.000 · View at bank ↗
6.000 % APRrecorded 2026-11-01
04
Randolph-Brooks Federal Credit Union
Auto/Truck
Auto loans · 84 months · APR 6.000 to 18.000 · View at bank ↗
6.000 % APRrecorded 2026-11-01
05
FourLeaf Federal Credit Union (formerly Bethpage)
New Auto
Auto loans · 84 months · View at bank ↗
6.18 % APRrecorded 2026-11-01
06
FourLeaf Federal Credit Union (formerly Bethpage)
Pre-Owned
Auto loans · 84 months · View at bank ↗
6.33 % APRrecorded 2026-11-01
07
Lake Trust Credit Union
Auto Loan
Auto loans · New - 2024 · up to 84 months · View at bank ↗
6.49 % APRrecorded 2026-11-01
08
Lake Trust Credit Union
Boat Loan
Auto loans · New - 2025 · up to 84 months · View at bank ↗
6.49 % APRrecorded 2026-11-01
09
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · New - 2025 · up to 84 months · View at bank ↗
6.49 % APRrecorded 2026-11-01
10
Lake Trust Credit Union
Auto Loan
Auto loans · 2018 - 2023 (145K miles or less) · up to 84 months · View at bank ↗
6.59 % APRrecorded 2026-11-01
11
Lake Trust Credit Union
Boat Loan
Auto loans · 2020 - 2024 · up to 84 months · View at bank ↗
6.74 % APRrecorded 2026-11-01
12
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · 2020 - 2024 · up to 84 months · View at bank ↗
6.74 % APRrecorded 2026-11-01
13
Randolph-Brooks Federal Credit Union
Motorcycle
Auto loans · 78 months · View at bank ↗
6.750 % APRrecorded 2026-11-01
14
Randolph-Brooks Federal Credit Union
Motorcycle
Auto loans · 84 months · View at bank ↗
6.750 % APRrecorded 2026-11-01
15
Randolph-Brooks Federal Credit Union
Boat & Trailer
Auto loans · 84 months · APR 6.750 to 11.750 · View at bank ↗
6.750 % APRrecorded 2026-11-01

8 years lowest 6.750% · 7 offers

01
Randolph-Brooks Federal Credit Union
Boat & Trailer
Auto loans · 96 months · APR 6.750 to 11.750 · View at bank ↗
6.750 % APRrecorded 2026-11-01
02
Randolph-Brooks Federal Credit Union
RV/Motor Home / Travel Trailer
Auto loans · 96 months · APR 6.750 to 11.750 · View at bank ↗
6.750 % APRrecorded 2026-11-01
03
FourLeaf Federal Credit Union (formerly Bethpage)
New Auto
Auto loans · 96 months · View at bank ↗
6.83 % APRrecorded 2026-11-01
04
Lake Trust Credit Union
Motorcycle Loan
Auto loans · New - 2025 · up to 96 months · View at bank ↗
7.99 % APRrecorded 2026-11-01
05
Lake Trust Credit Union
Motorcycle Loan
Auto loans · 2020 - 2024 · up to 96 months · View at bank ↗
8.49 % APRrecorded 2026-11-01
06
UW Credit Union
Boat & RV Loans
Auto loans · 96 Months · View at bank ↗
9.47 % APRrecorded 2026-11-01
07
Lake Trust Credit Union
Motorcycle Loan
Auto loans · 2019 & Older · up to 96 months · View at bank ↗
9.49 % APRrecorded 2026-11-01

10 years lowest 6.79% · 15 offers

01
Lake Trust Credit Union
Boat Loan
Auto loans · New - 2025 · up to 120 months · View at bank ↗
6.79 % APRrecorded 2026-11-01
02
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · New - 2025 · up to 120 months · View at bank ↗
6.79 % APRrecorded 2026-11-01
03
Randolph-Brooks Federal Credit Union
Boat & Trailer
Auto loans · 120 months · APR 7.000 to 10.000 · View at bank ↗
7.000 % APRrecorded 2026-11-01
04
Randolph-Brooks Federal Credit Union
RV/Motor Home / Travel Trailer
Auto loans · 120 months · APR 7.000 to 10.000 · View at bank ↗
7.000 % APRrecorded 2026-11-01
05
Lake Trust Credit Union
Boat Loan
Auto loans · 2020 - 2024 · up to 120 months · View at bank ↗
7.04 % APRrecorded 2026-11-01
06
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · 2020 - 2024 · up to 120 months · View at bank ↗
7.04 % APRrecorded 2026-11-01
07
Lake Trust Credit Union
Boat Loan
Auto loans · 2019 & Older · up to 120 months · View at bank ↗
7.54 % APRrecorded 2026-11-01
08
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · 2019 & Older · up to 120 months · View at bank ↗
7.54 % APRrecorded 2026-11-01
09
Patelco Credit Union
Boats, Motorhomes, Travel Trailers
Auto loans · Boat, Motorhome, and Travel Trailer Loans New (2025 or newer) · 85 to 120 months · View at bank ↗
7.74 % APRrecorded 2026-11-01
10
Delta Community Credit Union
Other Vehicle Loan
Auto loans · 120 months for $50,000 or more on boats, RVs and aircraft loans only · View at bank ↗
7.79 % APRrecorded 2026-11-01
11
Patelco Credit Union
Boats, Motorhomes, Travel Trailers
Auto loans · Boat, Motorhome, and Travel Trailer Loans Used (2024 - 2016) · 85 to 120 months · View at bank ↗
8.24 % APRrecorded 2026-11-01
12
Lake Trust Credit Union
Motorcycle Loan
Auto loans · New - 2025 · up to 120 months · View at bank ↗
8.49 % APRrecorded 2026-11-01
13
Lake Trust Credit Union
Motorcycle Loan
Auto loans · 2020 - 2024 · up to 120 months · View at bank ↗
8.99 % APRrecorded 2026-11-01
14
Lake Trust Credit Union
Motorcycle Loan
Auto loans · 2019 & Older · up to 120 months · View at bank ↗
9.99 % APRrecorded 2026-11-01
15
UW Credit Union
Boat & RV Loans
Auto loans · 120 Months · View at bank ↗
10.47 % APRrecorded 2026-11-01

12 years lowest 7.09% · 8 offers

01
Lake Trust Credit Union
Boat Loan
Auto loans · New - 2025 · up to 144 months · View at bank ↗
7.09 % APRrecorded 2026-11-01
02
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · New - 2025 · up to 144 months · View at bank ↗
7.09 % APRrecorded 2026-11-01
03
Lake Trust Credit Union
Boat Loan
Auto loans · 2020 - 2024 · up to 144 months · View at bank ↗
7.34 % APRrecorded 2026-11-01
04
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · 2020 - 2024 · up to 144 months · View at bank ↗
7.34 % APRrecorded 2026-11-01
05
Randolph-Brooks Federal Credit Union
Boat & Trailer
Auto loans · 144 months · View at bank ↗
7.500 % APRrecorded 2026-11-01
06
Randolph-Brooks Federal Credit Union
RV/Motor Home / Travel Trailer
Auto loans · 144 months · View at bank ↗
7.500 % APRrecorded 2026-11-01
07
Lake Trust Credit Union
Boat Loan
Auto loans · 2019 & Older · up to 144 months · View at bank ↗
7.84 % APRrecorded 2026-11-01
08
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · 2019 & Older · up to 144 months · View at bank ↗
7.84 % APRrecorded 2026-11-01

15 years lowest 7.39% · 12 offers

01
Lake Trust Credit Union
Boat Loan
Auto loans · New - 2025 · up to 180 months · View at bank ↗
7.39 % APRrecorded 2026-11-01
02
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · New - 2025 · up to 180 months · View at bank ↗
7.39 % APRrecorded 2026-11-01
03
Lake Trust Credit Union
Boat Loan
Auto loans · 2020 - 2024 · up to 180 months · View at bank ↗
7.64 % APRrecorded 2026-11-01
04
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · 2020 - 2024 · up to 180 months · View at bank ↗
7.64 % APRrecorded 2026-11-01
05
Randolph-Brooks Federal Credit Union
Boat & Trailer
Auto loans · 180 months · View at bank ↗
7.750 % APRrecorded 2026-11-01
06
Randolph-Brooks Federal Credit Union
RV/Motor Home / Travel Trailer
Auto loans · 180 months · View at bank ↗
7.750 % APRrecorded 2026-11-01
07
Delta Community Credit Union
Other Vehicle Loan
Auto loans · 180 months for $75,000 or more on boats, RVs and aircraft loans only · View at bank ↗
7.99 % APRrecorded 2026-11-01
08
Patelco Credit Union
Boats, Motorhomes, Travel Trailers
Auto loans · Boat, Motorhome, and Travel Trailer Loans New (2025 or newer) · 121 to 180 months · View at bank ↗
7.99 % APRrecorded 2026-11-01
09
Lake Trust Credit Union
Boat Loan
Auto loans · 2019 & Older · up to 180 months · View at bank ↗
8.14 % APRrecorded 2026-11-01
10
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · 2019 & Older · up to 180 months · View at bank ↗
8.14 % APRrecorded 2026-11-01
11
Patelco Credit Union
Boats, Motorhomes, Travel Trailers
Auto loans · Boat, Motorhome, and Travel Trailer Loans Used (2024 - 2016) · 121 to 180 months · View at bank ↗
8.49 % APRrecorded 2026-11-01
12
UW Credit Union
Boat & RV Loans
Auto loans · 180 Months · View at bank ↗
11.37 % APRrecorded 2026-11-01

20 years lowest 7.99% · 7 offers

01
Lake Trust Credit Union
Boat Loan
Auto loans · New - 2025 · up to 240 months · View at bank ↗
7.99 % APRrecorded 2026-11-01
02
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · New - 2025 · up to 240 months · View at bank ↗
7.99 % APRrecorded 2026-11-01
03
Delta Community Credit Union
Other Vehicle Loan
Auto loans · 240 months for $100,000 or more on boats, RVs and aircraft loans only · View at bank ↗
8.19 % APRrecorded 2026-11-01
04
Lake Trust Credit Union
Boat Loan
Auto loans · 2020 - 2024 · up to 240 months · View at bank ↗
8.24 % APRrecorded 2026-11-01
05
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · 2020 - 2024 · up to 240 months · View at bank ↗
8.24 % APRrecorded 2026-11-01
06
Lake Trust Credit Union
Boat Loan
Auto loans · 2019 & Older · up to 240 months · View at bank ↗
8.74 % APRrecorded 2026-11-01
07
Lake Trust Credit Union
Recreational Vehicle Loan
Auto loans · 2019 & Older · up to 240 months · View at bank ↗
8.74 % APRrecorded 2026-11-01

No fixed term lowest 4.29% · 64 offers

01
Delta Community Credit Union
New Car Loan
Auto loans · Up to 12 months · View at bank ↗
4.29 % APRrecorded 2026-11-01
02
Delta Community Credit Union
Used Car Loan
Auto loans · Up to 12 months · View at bank ↗
4.59 % APRrecorded 2026-11-01
03
Delta Community Credit Union
New Car Loan
Auto loans · 61-72 months (greater than or equal to $20,000) · View at bank ↗
4.79 % APRrecorded 2026-11-01
04
Digital Federal Credit Union
Auto Loan
Auto loans · Up to 36 Months · View at bank ↗
4.99 % APRrecorded 2026-11-01
05
Digital Federal Credit Union
Auto Loan
Auto loans · Up to 48 Months · View at bank ↗
4.99 % APRrecorded 2026-11-01
06
Digital Federal Credit Union
Auto Loan
Auto loans · Up to 65 Months · View at bank ↗
4.99 % APRrecorded 2026-11-01
07
Digital Federal Credit Union
Auto Refinancing
Auto loans · Up to 36 Months · View at bank ↗
4.99 % APRrecorded 2026-11-01
08
Digital Federal Credit Union
Auto Refinancing
Auto loans · Up to 48 Months · View at bank ↗
4.99 % APRrecorded 2026-11-01
09
Digital Federal Credit Union
Auto Refinancing
Auto loans · Up to 65 Months · View at bank ↗
4.99 % APRrecorded 2026-11-01
10
Delta Community Credit Union
Used Car Loan
Auto loans · 61-72 months (greater than or equal to $20,000) · View at bank ↗
5.09 % APRrecorded 2026-11-01
11
Delta Community Credit Union
New Car Loan
Auto loans · 73-84 months (greater than or equal to $30,000) · View at bank ↗
5.29 % APRrecorded 2026-11-01
12
Digital Federal Credit Union
Auto Loan
Auto loans · Up to 72 Months · View at bank ↗
5.49 % APRrecorded 2026-11-01
13
Digital Federal Credit Union
Auto Refinancing
Auto loans · Up to 72 Months · View at bank ↗
5.49 % APRrecorded 2026-11-01
14
Delta Community Credit Union
Used Car Loan
Auto loans · 73-84 months (greater than or equal to $30,000) · View at bank ↗
5.59 % APRrecorded 2026-11-01
15
Digital Federal Credit Union
Street Motorcycle Loan
Auto loans · Up to 36 Months · View at bank ↗
6.25 % APRrecorded 2026-11-01
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Questions

What is the lowest auto loan rate in the US right now?

Delta Community Credit Union New Car Loan (24 months) at 4.29% APR, recorded 1 Nov 2026. RateSonar compared 245 offers from 9 institutions on the same basis.

Are these rates current?

Each row shows the date RateSonar last recorded it from the bank's page. Pages are captured twice a day; a row that could not be refreshed keeps its last recorded date and drops out of the ranking after three days.

Is this the rate I will get?

No. These are the rates lenders advertise. Your rate depends on your circumstances, and lenders may price individually. Use the bank's own quote.