The lowest advertised APR each lender publishes for a 84-month term, collected from their own rate pages. A longer term lowers the payment, and the tables below show what it costs in rate.
As of October 22, 2026, the lowest advertised 84-month new car loan APR among the 18 lenders below is 5.25% from State Employees' Credit Union. Advertised rates in this table run from 5.25% to 10.49% APR.
| Lender | Type | Min credit | Term | APR (from) | |
|---|---|---|---|---|---|
|
SE
State Employees' Credit Union
|
Credit Union Regional: NC, SC, GA, TN, VA |
- | 84 mo | 5.25% | Visit |
|
PA
Patelco Credit Union
|
Credit Union | - | 84 mo | 5.64% | Visit |
|
SF
SchoolsFirst Federal Credit Union
|
Credit Union Regional: CA |
- | 84 mo | 5.69% | Visit |
|
DF
DFCU Financial
|
Credit Union Regional: MI, FL |
- | 83 mo | 5.84% | Visit |
|
RB
Randolph-Brooks FCU
|
Credit Union Regional: TX |
- | 84 mo | 6.00% | Visit |
|
AF
Affinity Federal Credit Union
|
Credit Union | - | 84 mo | 6.09% | Visit |
|
AN
Andrews Federal Credit Union
|
Credit Union | - | 84 mo | 6.17% | Visit |
|
FL
FourLeaf Federal Credit Union
|
Credit Union | - | 84 mo | 6.18% | Visit |
|
AM
America First Credit Union
|
Credit Union Regional: UT, NV, AZ, ID, NM |
- | 84 mo | 6.24% | Visit |
|
NF
Navy Federal Credit Union
|
Credit Union | 640+ | 84 mo | 6.29% | Visit |
|
SS
Security Service FCU
|
Credit Union Regional: TX, CO, UT |
- | 84 mo | 6.35% | Visit |
|
CX
Connexus Credit Union
|
Credit Union | - | 84 mo | 6.44% | Visit |
|
CC
Consumers Credit Union
|
Credit Union | - | 84 mo | 6.49% | Visit |
|
LA
Langley Credit Union
|
Credit Union Regional: VA, NC |
- | 84 mo | 6.99% | Visit |
|
DC
Digital Federal Credit Union
|
Credit Union | - | 84 mo | 6.99% | Visit |
|
FT
First Tech Federal Credit Union
|
Credit Union | - | 84 mo | 6.99% | Visit |
|
UB
U.S. Bank
|
Bank | 660+ | 84 mo | 7.88% | Visit |
|
MA
MyAutoLoan
|
Loan Marketplace | 575+ | 84 mo | 10.49% | Visit |
| Lender | Type | Min credit | Term | APR (from) | |
|---|---|---|---|---|---|
|
PA
Patelco Credit Union
|
Credit Union | - | 84 mo | 5.79% | Visit |
|
SF
SchoolsFirst Federal Credit Union
|
Credit Union Regional: CA |
- | 84 mo | 5.99% | Visit |
|
DF
DFCU Financial
|
Credit Union Regional: MI, FL |
- | 83 mo | 5.99% | Visit |
|
RB
Randolph-Brooks FCU
|
Credit Union Regional: TX |
- | 84 mo | 6.00% | Visit |
|
AM
America First Credit Union
|
Credit Union Regional: UT, NV, AZ, ID, NM |
- | 84 mo | 6.24% | Visit |
|
FL
FourLeaf Federal Credit Union
|
Credit Union | - | 84 mo | 6.33% | Visit |
|
AF
Affinity Federal Credit Union
|
Credit Union | - | 84 mo | 6.35% | Visit |
|
SS
Security Service FCU
|
Credit Union Regional: TX, CO, UT |
- | 84 mo | 6.35% | Visit |
|
CX
Connexus Credit Union
|
Credit Union | - | 84 mo | 6.44% | Visit |
|
LA
Langley Credit Union
|
Credit Union Regional: VA, NC |
- | 84 mo | 6.99% | Visit |
|
CC
Consumers Credit Union
|
Credit Union | - | 84 mo | 6.99% | Visit |
|
DC
Digital Federal Credit Union
|
Credit Union | - | 84 mo | 6.99% | Visit |
|
FT
First Tech Federal Credit Union
|
Credit Union | - | 84 mo | 6.99% | Visit |
|
AN
Andrews Federal Credit Union
|
Credit Union | - | 84 mo | 7.10% | Visit |
|
NF
Navy Federal Credit Union
|
Credit Union | 640+ | 84 mo | 7.28% | Visit |
|
MA
MyAutoLoan
|
Loan Marketplace | 575+ | 84 mo | 10.74% | Visit |
Advertised APRs as of October 22, 2026 for terms of 76 to 84 months. Advertised rates assume top-tier credit; your rate depends on credit, vehicle, and amount.
The same $35,000 new car loan at the median advertised APR we collected for each term:
| Term | Median APR | Monthly payment | Total interest |
|---|---|---|---|
| 60 months | 5.49% | $668 | $5,103 |
| 84 months | 6.27% | $516 | $8,324 |
The 84-month loan lowers the payment by $153 a month and costs $3,221 more in interest. Run your own numbers in the auto loan calculator.
More on choosing a term: auto loan terms explained and 36 vs. 60 months.