Lowest Rates
1
9.1Excellent
- APR From
- 6.24%
- Terms
- 24-84 mo
- Min. Credit
- 660
Car Loans
Best Auto Loans 2026
New, used and refinance auto loans with competitive APRs and fast funding.
Last updated: October 23, 2026 ·
Best Pre-Qualification
2
9.6Exceptional
- APR From
- 5.99%
- Terms
- 36-72 mo
- Min. Credit
- 500
3
PenFed Credit Union
Credit union rates for everyone
- Car buying discounts
- Open membership
- Up to 84 months
8.9Very Good
- APR From
- 5.24%
- Terms
- 36-84 mo
- Min. Credit
- 650
4
8.8Very Good
- APR From
- 5.89%
- Terms
- 12-75 mo
- Min. Credit
- 600
5
8.4Good
- APR From
- 8.99%
- Terms
- 36-72 mo
- Min. Credit
- No minimum
About car loans
Getting pre-approved before you visit the dealership gives you negotiating power. Compare starting APRs, loan terms and credit requirements from banks, credit unions and online lenders.
How we rate
Every brand is scored by our editors on:
- Rates
- Terms Flexibility
- Approval Odds
- Funding Speed
- Customer Service
Car Loans guides
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