Our takeWell-recognized lender for auto loans — starts at 3.89% APR. No origination fee.
1
NF
Navy Federal CULowest APR
NMLS verified
APR
3.89%
$4,028
saved per year vs. your rate
Market avg 7.47%3.58% below avg
$459/mo on $25,000 · 60-mo term
16 lenders · Updated October 7, 2026
Compare auto loan rates — no hard credit pull
Set your loan amount and current rate — every lender shows your monthly payment and exactly how much you save per year by switching.
The best auto loan rates start around 3.89% APR as of October 2026.
Independent rankingsHow we rank →
How we rankWe rank by APR + trust — not commissionNo credit pull to compare ratesSponsored offers labeled, never ranked higher for payingHow we rank →
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Loan amount$25,000
$1K$100K
Your current APR20.0%
3%36%
Top pick saves you
$4,028
per year vs. your 20.0% rate · $459/mo at 3.89% APR
RankingIndependent rankings. Sponsored offers labeled. Terms verified regularly.Ranked by true cost: APR (60-mo term), lender fees, minimum credit score, new/used vehicle eligibility, and lender trust.
APR is the yearly cost of the loan, including fees.
Showing 16
Our takeAuto loan starting at 4.18% APR. No origination fee.
2
CA
Caribou
NMLS verified
APR
4.18%
$3,955
saved per year vs. your rate
Market avg 7.47%3.29% below avg
$462/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 4.33% APR. No origination fee.
3
CA
CarPutty
NMLS verified
APR
4.33%
$3,918
saved per year vs. your rate
Market avg 7.47%3.14% below avg
$464/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 4.49% APR. No origination fee.
4
RE
RefiJet
NMLS verified
APR
4.49%
$3,877
saved per year vs. your rate
Market avg 7.47%2.98% below avg
$466/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 4.74% APR. No origination fee.
5
CC
Consumers Credit UnionTrusted
NMLS verified
APR
4.74%
$3,815
saved per year vs. your rate
Market avg 7.47%2.73% below avg
$469/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 4.85% APR. No origination fee.
6
AU
AutoPay
NMLS verified
APR
4.85%
$3,788
saved per year vs. your rate
Market avg 7.47%2.62% below avg
$470/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 4.85% APR. No origination fee.
7
RA
RateGenius
NMLS verified
APR
4.85%
$3,788
saved per year vs. your rate
Market avg 7.47%2.62% below avg
$470/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 4.85% APR. No origination fee.
8
TR
Tresl
NMLS verified
APR
4.85%
$3,788
saved per year vs. your rate
Market avg 7.47%2.62% below avg
$470/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 4.99% APR. No origination fee.
9
AA
Auto Approve
NMLS verified
APR
4.99%
$3,753
saved per year vs. your rate
Market avg 7.47%2.48% below avg
$472/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 4.99% APR. No origination fee.
10
GL
Gravity Lending
NMLS verified
APR
4.99%
$3,753
saved per year vs. your rate
Market avg 7.47%2.48% below avg
$472/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 4.99% APR. No origination fee.
11
IL
iLending
NMLS verified
APR
4.99%
$3,753
saved per year vs. your rate
Market avg 7.47%2.48% below avg
$472/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 5.49% APR. No origination fee.
12
LE
LendingClubTrusted
NMLS verified
APR
5.49%
$3,628
saved per year vs. your rate
Market avg 7.47%1.98% below avg
$477/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 5.99% APR. No origination fee.
13
TE
Tenet
NMLS verified
APR
5.99%
$3,503
saved per year vs. your rate
Market avg 7.47%1.48% below avg
$483/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 6.49% APR. No origination fee.
14
LI
LightStreamTrusted
NMLS verified
APR
6.49%
$3,378
saved per year vs. your rate
Market avg 7.47%0.98% below avg
$489/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 6.74% APR. No origination fee.
15
MY
MyAutoLoan
NMLS verified
APR
6.74%
$3,315
saved per year vs. your rate
Market avg 7.47%0.73% below avg
$492/mo on $25,000 · 60-mo term
Our takeAuto loan starting at 6.99% APR. No origination fee.
16
CA
CarvanaTrusted
NMLS verified
APR
6.99%
$3,253
saved per year vs. your rate
Market avg 7.47%0.48% below avg
$495/mo on $25,000 · 60-mo term
Tools
Run the numbers before you sign
Auto Loan Payment Planner
The real monthly payment after taxes, fees, trade-in, and dealer markup.
Buy vs Lease Calculator
Compare the true total cost, including depreciation and equity.
Auto Refinance Calculator
See if refinancing saves money, and avoid the two traps: underwater and term-stretching.
Car Total Cost of Ownership
The true 5-year cost: depreciation, interest, fuel, insurance, maintenance.
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Current spread: 7.47% national average → 3.89% best tracked rate
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