Updated October 22, 2026

72-month auto loan rates.

The lowest advertised APR each lender publishes for a 72-month term, collected from their own rate pages. A longer term lowers the payment, and the tables below show what it costs in rate.

New car, 72 months

As of October 22, 2026, the lowest advertised 72-month new car loan APR among the 17 lenders below is 4.50% from State Employees' Credit Union. Advertised rates in this table run from 4.50% to 7.05% APR.

Lender Type Min credit Term APR (from)
SE
State Employees' Credit Union 		Credit Union
Regional: NC, SC, GA, TN, VA		 - 72 mo 4.50% Visit
RB
Randolph-Brooks FCU 		Credit Union
Regional: TX		 - 72 mo 4.75% Visit
NF
Navy Federal Credit Union 		Credit Union 640+ 72 mo 4.89% Visit
SF
SchoolsFirst Federal Credit Union 		Credit Union
Regional: CA		 - 72 mo 4.99% Visit
PA
Patelco Credit Union 		Credit Union - 72 mo 5.34% Visit
AM
America First Credit Union 		Credit Union
Regional: UT, NV, AZ, ID, NM		 - 72 mo 5.49% Visit
CC
Consumers Credit Union 		Credit Union - 72 mo 5.49% Visit
FT
First Tech Federal Credit Union 		Credit Union - 72 mo 5.49% Visit
DC
Digital Federal Credit Union 		Credit Union - 72 mo 5.49% Visit
FL
FourLeaf Federal Credit Union 		Credit Union - 72 mo 5.68% Visit
AF
Affinity Federal Credit Union 		Credit Union - 72 mo 5.79% Visit
SS
Security Service FCU 		Credit Union
Regional: TX, CO, UT		 - 75 mo 5.95% Visit
LA
Langley Credit Union 		Credit Union
Regional: VA, NC		 - 75 mo 5.99% Visit
MA
MyAutoLoan 		Loan Marketplace 575+ 72 mo 5.99% Visit
AN
Andrews Federal Credit Union 		Credit Union - 72 mo 6.02% Visit
CX
Connexus Credit Union 		Credit Union - 72 mo 6.34% Visit
UB
U.S. Bank 		Bank 660+ 72 mo 7.05% Visit

Used car, 72 months

Lender Type Min credit Term APR (from)
RB
Randolph-Brooks FCU 		Credit Union
Regional: TX		 - 72 mo 4.75% Visit
SF
SchoolsFirst Federal Credit Union 		Credit Union
Regional: CA		 - 72 mo 5.19% Visit
SE
State Employees' Credit Union 		Credit Union
Regional: NC, SC, GA, TN, VA		 - 72 mo 5.25% Visit
AM
America First Credit Union 		Credit Union
Regional: UT, NV, AZ, ID, NM		 - 72 mo 5.49% Visit
FT
First Tech Federal Credit Union 		Credit Union - 72 mo 5.49% Visit
DC
Digital Federal Credit Union 		Credit Union - 72 mo 5.49% Visit
PA
Patelco Credit Union 		Credit Union - 72 mo 5.49% Visit
NF
Navy Federal Credit Union 		Credit Union 640+ 72 mo 5.69% Visit
FL
FourLeaf Federal Credit Union 		Credit Union - 72 mo 5.88% Visit
SS
Security Service FCU 		Credit Union
Regional: TX, CO, UT		 - 75 mo 5.95% Visit
LA
Langley Credit Union 		Credit Union
Regional: VA, NC		 - 75 mo 5.99% Visit
CC
Consumers Credit Union 		Credit Union - 72 mo 5.99% Visit
AF
Affinity Federal Credit Union 		Credit Union - 72 mo 6.05% Visit
MA
MyAutoLoan 		Loan Marketplace 575+ 72 mo 6.24% Visit
CX
Connexus Credit Union 		Credit Union - 72 mo 6.34% Visit
AN
Andrews Federal Credit Union 		Credit Union - 72 mo 6.70% Visit

Advertised APRs as of October 22, 2026 for terms of 67 to 75 months. Advertised rates assume top-tier credit; your rate depends on credit, vehicle, and amount.

What 72 months costs compared with 60

The same $35,000 new car loan at the median advertised APR we collected for each term:

TermMedian APRMonthly paymentTotal interest
60 months5.49%$668$5,103
72 months5.49%$572$6,160

The 72-month loan lowers the payment by $97 a month and costs $1,057 more in interest. Run your own numbers in the auto loan calculator.

When a 72-month loan makes sense

The risks

More on choosing a term: auto loan terms explained and 36 vs. 60 months.