Whether you are buying new, buying used, or refinancing, the right lender depends on your credit, the vehicle, and how you shop.
Read moreShow less
Purchase vs. refinance
A purchase loan finances a vehicle you are buying from a dealer or private seller. A refinance replaces an existing auto loan, usually to lower your rate or payment once your credit or market rates improve.
New, used, and private party
Rates are typically lowest on new vehicles and rise with vehicle age and mileage. Many lenders cap how old or how many miles a financed car can have, and private-party loans (buying from an individual) are not offered everywhere.
What drives your rate
Your credit tier, loan term, down payment, and loan-to-value (LTV) all move your APR. Longer terms lower the monthly payment but cost more in interest. Prequalifying with a soft pull lets you compare real rates without dinging your score.
Watch the add-ons
Dealers and lenders may offer GAP insurance and extended warranties. These can be useful but add to the amount financed, so weigh the cost against the benefit before rolling them in.
Lenders
Compare options.
The Loan Hub pulls published rates from a wide range of lenders so you can see who is advertising the lowest APRs. We also flag which lenders let you check whether you prequalify with a soft pull, so you can rate shop with no impact on your credit score.
Loan Hub · Auto
Auto loans.
30lenders
Whether you are buying new, buying used, or refinancing, the right lender depends on your credit, the vehicle, and how you shop.
Read moreShow less
Purchase vs. refinance
A purchase loan finances a vehicle you are buying from a dealer or private seller. A refinance replaces an existing auto loan, usually to lower your rate or payment once your credit or market rates improve.
New, used, and private party
Rates are typically lowest on new vehicles and rise with vehicle age and mileage. Many lenders cap how old or how many miles a financed car can have, and private-party loans (buying from an individual) are not offered everywhere.
What drives your rate
Your credit tier, loan term, down payment, and loan-to-value (LTV) all move your APR. Longer terms lower the monthly payment but cost more in interest. Prequalifying with a soft pull lets you compare real rates without dinging your score.
Watch the add-ons
Dealers and lenders may offer GAP insurance and extended warranties. These can be useful but add to the amount financed, so weigh the cost against the benefit before rolling them in.
Lenders
Compare options.
The Loan Hub pulls published rates from a wide range of lenders so you can see who is advertising the lowest APRs. We also flag which lenders let you check whether you prequalify with a soft pull, so you can rate shop with no impact on your credit score.
OtherLimited to residents/workers/worshippers/students in designated counties of UT, NV, AZ, ID, OR, NM, or parts of San Bernardino County, CA, plus Utah food-industry workers, SEG employees, or family of existing members.
Open to anyoneAnyone can join by becoming a member of a partner association (Financial Fitness Association or Computer History Museum) during the online application; First Tech typically covers the association fee.
OtherOpen to residents/workers in Alaska, Washington, northern Idaho, Maricopa County AZ, or San Bernardino County CA; DoD employees worldwide; or family members of a qualifying member.
OtherLimited to people who live/work/attend school in any Idaho county, select WA school districts, specific OR/AZ counties, State of Idaho employees, members of other Idaho-based credit unions, or family of a member.
OtherMembership is limited to active-duty military, veterans, DoD civilian employees/contractors, and their immediate family or household members; there is no public workaround for unaffiliated civilians.
OtherOver 5,000 qualifying paths via employer, place of worship, community organization, school, military base commissary access, or family of an existing member, but no membership route open to literally anyone.
OtherLimited to employees (and some contracted service providers, education students, and retirees) of California K-12 schools, colleges/universities and districts, plus immediate family members of existing members.
OtherOpen to those who live, work, worship, attend school, or volunteer in Texas, Colorado, or Utah; select military/DoD affiliates; or family/household members of a current member.
OtherMembership limited to employees/retirees of North Carolina state government, public schools, community colleges, universities, and certain affiliated employers, plus their immediate family or household members.
OtherOpen to anyone who lives, works, attends school, or worships in Suncoast's ~40 eligible Florida counties (plus, since 2021, any Florida public educator), or has an immediate family member who is a member.
OtherOpen to anyone who lives or regularly works in California (or is a CA-based business), plus family members/domestic partners of existing members; no path for non-California residents.
Open to anyoneAnyone can qualify by donating at least $5 to the VyStar Foundation, in addition to Florida/Georgia county residency, military affiliation, Brightway Insurance ties, or SEG employer paths.
Advertised APRs are published by lenders and are not personalized to your credit score. They are not an offer, approval prediction, or guarantee. Bureau pulls can vary by state, channel, and applicant. Lender policies change; each rate shows the date we last verified it, and entries older than 60 days are flagged.
Advertised auto rates typically assume top-tier credit, a new vehicle, a shorter term, loan-to-value limits, and autopay or relationship discounts. Your rate may be higher.
