All the lenders we track in one place, from banks and credit unions to online refinance specialists, sorted by lowest advertised APR.
| Lender | Type | Min credit | APR (from) | Loan types | |
|---|---|---|---|---|---|
|
SE
State Employees' Credit Union
|
Credit Union | - | 3.75% | New · Used · Refi | Visit |
|
GL
Gravity Lending
|
Refinance Marketplace | - | 3.89% | Refi | Visit |
|
MA
MyAutoLoan
|
Loan Marketplace | 575+ | 3.90% | New · Used · Refi · Lease buyout | Visit |
|
NF
Navy Federal Credit Union
|
Credit Union | 640+ | 4.19% | New · Used · Refi · Lease buyout | Visit |
|
US
USAA
|
Bank (Military) | 640+ | 4.49% | New · Used · Refi · Lease buyout | Visit |
|
AN
Andrews Federal Credit Union
|
Credit Union | - | 4.49% | New · Used · Refi | Visit |
|
RB
Randolph-Brooks FCU
|
Credit Union | - | 4.49% | New · Used · Refi | Visit |
|
SF
SchoolsFirst Federal Credit Union
|
Credit Union | - | 4.59% | New · Used · Refi | Visit |
|
RJ
RefiJet
|
Refinance Specialist | 580+ | 4.67% | Refi | Visit |
|
DC
Digital Federal Credit Union
|
Credit Union | - | 4.99% | New · Used · Refi | Visit |
|
FT
First Tech Federal Credit Union
|
Credit Union | - | 4.99% | New · Used · Refi | Visit |
|
CC
Consumers Credit Union
|
Credit Union | - | 4.99% | New · Used | Visit |
|
CX
Connexus Credit Union
|
Credit Union | - | 5.19% | New · Used · Refi | Visit |
|
PA
Patelco Credit Union
|
Credit Union | - | 5.19% | New · Used · Refi | Visit |
|
AF
Affinity Federal Credit Union
|
Credit Union | - | 5.19% | New · Used · Refi · Lease buyout | Visit |
|
AM
America First Credit Union
|
Credit Union | - | 5.24% | New · Used · Refi | Visit |
|
CO
Capital One
|
Bank | 660+ | 5.39% | New · Used · Refi | Visit |
|
PF
PenFed Credit Union
|
Credit Union | 650+ | 5.49% | New · Used · Refi · Lease buyout | Visit |
|
BA
Bank of America
|
Bank | 660+ | 5.49% | New · Used · Refi | Visit |
|
AA
Auto Approve
|
Refinance Marketplace | - | 5.49% | Refi · Lease buyout | Visit |
|
FL
FourLeaf Federal Credit Union
|
Credit Union | - | 5.53% | New · Used · Refi · Lease buyout | Visit |
|
DF
DFCU Financial
|
Credit Union | - | 5.59% | New · Used | Visit |
|
SS
Security Service FCU
|
Credit Union | - | 5.65% | New · Used | Visit |
|
AP
AutoPay
|
Refinance Marketplace | 600+ | 5.69% | Refi · Lease buyout | Visit |
|
CA
Caribou
|
Refinance Marketplace | 630+ | 5.79% | Refi · Lease buyout | Visit |
|
BE
BECU
|
Credit Union | - | 5.89% | New · Used | Visit |
|
LA
Langley Credit Union
|
Credit Union | - | 5.99% | New · Used · Refi | Visit |
|
TD
TDECU
|
Credit Union | - | 6.10% | New · Used · Refi | Visit |
|
AL
Ally
|
Bank (Online) | 620+ | 6.19% | New · Used | Visit |
|
CH
Chase
|
Bank | 660+ | 6.49% | New · Used | Visit |
|
WF
Wells Fargo
|
Bank | 660+ | 6.59% | New · Used | Visit |
|
TR
Truist
|
Bank | 660+ | 6.69% | New · Used · Refi | Visit |
|
UB
U.S. Bank
|
Bank | 660+ | 6.81% | New · Used · Refi · Lease buyout | Visit |
|
LS
LightStream
|
Bank (Online) | 670+ | 9.99% | New · Used · Refi · Lease buyout | Visit |
Best advertised APRs as of October 22, 2026. Actual rate depends on credit, term, and loan amount.
We track auto loan lenders that publish their rates, nationally or across a large regional market. That means a mix of:
Rates come from each lender's published rate page, collected automatically where we can and checked by hand for the rest (methodology). We don't take payment to influence editorial picks. Some lenders pay us a referral fee when readers click through, which helps keep this site free. It doesn't change which lenders make our comparison tables, or where they rank by APR.