1Editor's pick
LightStream
Reviewed today
- APR
- 6.94–14.94%
- Min. credit score
- 660+
- Loan amount
- $5K–$100K
- Loan length
- 24–84 mo
LoansLenders rankedUpdated Jan 2026
Best Auto Loans 2026:
Top lenders ranked side-by-side.
APR ranges, minimum credit scores, soft-pull pre-qualification, and our best-for tags. Sort and filter in one click — no email required.
4.99%
Lowest APR in list
$150k
Max loan amount
7 / 8
Lenders with soft pull
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Rates as of Jun 30, 2026
Today's auto loan rates
Live APR ranges from the lenders we track. Rates change weekly — refresh before you apply.
Comparing 5 audited options· Rates verified Jun 30
Data last reviewed . Source: CarSavr editorial methodology.
Editor's pick · 2-min compare
LightStream
Starting APR 6.94–14.94%
5 lenders shown, sorted by default editor's pick order.
Compare 4+ lenders in one form
Pre-qualify with multiple lenders — soft pull only
4 offers · 2 minutes · won't ding your credit
| Lender | Loan amount | Loan length | ||||
|---|---|---|---|---|---|---|
1 LightStream | 6.94–14.94% Total int. ~$4,659 · $25k · 60mo | 660+ | $5K–$100K | 24–84 mo | Reviewed today | NewStack 2–4 options side-by-side to compare pricing, terms, and ratings at once. |
2  Best marketplace | 5.69–17.99% Total int. ~$3,783 · $25k · 60mo | 580+ | $5K–$100K | 24–84 mo | Reviewed today | ≈2 min · Soft pullAffiliate offer |
3 PenFed Credit Union Best credit union | 5.24–17.99% Total int. ~$3,472 · $25k · 60mo | 610+ | $500–$150K | 36–84 mo | Reviewed today | |
 Fastest marketplace · 4 offers in minutes | 5.99–22.99% Total int. ~$3,992 · $25k · 60mo | 575+ | $8K–$100K | 24–84 mo | Reviewed today | ≈2 min · Soft pullAffiliate offer |
Capital One Auto Navigator Best soft-pull pre-qual | 6.99–22.90% Total int. ~$4,695 · $25k · 60mo | 540+ | $4K–$75K | 36–75 mo | Reviewed today |
2
Reviewed today
- APR
- 5.69–17.99%
- Min. credit score
- 580+
- Loan amount
- $5K–$100K
- Loan length
- 24–84 mo
≈2 min · Soft pullAffiliate offer
3
PenFed Credit Union
Reviewed today
- APR
- 5.24–17.99%
- Min. credit score
- 610+
- Loan amount
- $500–$150K
- Loan length
- 36–84 mo
Reviewed today
- APR
- 5.99–22.99%
- Min. credit score
- 575+
- Loan amount
- $8K–$100K
- Loan length
- 24–84 mo
≈2 min · Soft pullAffiliate offer
Capital One Auto Navigator
Reviewed today
- APR
- 6.99–22.90%
- Min. credit score
- 540+
- Loan amount
- $4K–$75K
- Loan length
- 36–75 mo
APR ranges are sourced from each lender's public site and are updated regularly. Your actual rate depends on credit history, loan amount, vehicle, and state. CarSavr may earn a commission when you apply through our links — it never affects how we rank lenders.
Provider logos and trademarks belong to their respective owners and are used for identification purposes only. Providers shown for comparison and educational purposes — display does not imply partnership unless an active affiliate relationship is stated separately.
How rows are ranked: Editor's pick first, then by overall rating. Promoted placements are flagged with a Sponsored badge. Read the full methodology →
Credit
Purpose
Showing 8 of 8 lenders
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
- L#1Editor's pick
LightStream (Truist)
Bank-direct loans with rate-beat promise.
Best for excellent credit
APR range
7.49% – 15.99%
Min FICO
660
Loan amount
$5k – $100k
Term
24–84 mo
Soft pull · no score impact
Pros
- Among the lowest APRs in the industry
- Rate-beat program ($100 if you find a lower rate)
- Same-day funding common
Cons
- 660+ FICO required
- No vehicle restrictions but no dealer hand-holding
- A#2Editor's pick
Autopay
Aggregator that shops a large lender network for you.
Best for refinance
APR range
4.99% – 17.99%
Min FICO
575
Loan amount
$3k – $100k
Term
24–84 mo
Soft pull · no score impact
Pros
- One application → multiple offers
- Soft pull during shopping
- Strong refi specialist (avg. $108/mo savings reported)
Cons
- Aggregator, not the lender
- Quality varies by partner bank
- PC#3
PenFed Credit Union
Member-owned. Sharp rates across the board.
Best credit union
APR range
5.74% – 17.99%
Min FICO
650
Loan amount
$1k – $150k
Term
36–84 mo
Soft pull · no score impact
Pros
- Lowest APRs in our survey for 650+ FICO
- Easy membership ($5 association fee)
- Up to $150k loan amounts
Cons
- Must join PenFed
- Funding slower than dealer financing
- C#4
Caribou
Refinance specialist with insurance bundling.
Best for refi + insurance bundle
APR range
6.49% – 30%
Min FICO
580
Loan amount
$5k – $125k
Term
24–96 mo
Soft pull · no score impact
Pros
- Refi-only focus → competitive on existing loans
- Bundles with insurance for extra savings
- Fair-credit friendly (580+)
Cons
- No new-purchase loans
- Top-of-range APR very high
- CO#5
Capital One Auto Navigator
Pre-qualify, then shop at 12,000+ dealers.
Best dealer-network pre-qual
APR range
5.99% – 30%
Min FICO
540
Loan amount
$4k – $75k
Term
36–72 mo
Soft pull · no score impact
Pros
- Pre-qualify with a soft pull
- Shop participating dealers with locked-in terms
- Friendly to FICO 540+
Cons
- Dealer must participate
- Used cars must be ≤10 yr / ≤120k mi
- M#6
MyAutoLoan
Marketplace that returns up to 4 offers.
Best marketplace
APR range
5.49% – 26.45%
Min FICO
575
Loan amount
$8k – $100k
Term
24–72 mo
Soft pull · no score impact
Pros
- Multiple lender offers per application
- Pre-approval within minutes
- Covers purchase, refi, and lease buyout
Cons
- $8,000 minimum loan
- Income verification required
- CF#7
Carvana Financing
Bundled directly with their vehicle inventory.
Best for buying online
APR range
6.99% – 29.99%
Min FICO
540
Loan amount
$1k – $85k
Term
36–72 mo
Soft pull · no score impact
Pros
- Pre-qualify in 2 minutes with soft pull
- Locked-in rate good for 45 days
- Funds Carvana inventory only — frictionless
Cons
- Only finances Carvana cars
- APR can spike with low credit
- AC#8
Auto Credit Express
Subprime specialist for FICO under 600.
Best for bad credit
APR range
9.99% – 29.99%
Min FICO
500
Loan amount
$5k – $45k
Term
24–72 mo
Hard pull required
Pros
- Approves FICO 500+
- Matches you with subprime-friendly dealers
- Better than Buy Here Pay Here in nearly every case
Cons
- High APRs unavoidable
- Hard pull required at full application
How we ranked these lenders
Starting APR
We pull each lender's published lowest-tier APR. Whoever the rate is reserved for (FICO 800+) wins this category.
Soft-pull pre-qual
Most lenders here let you see your rate without affecting your credit score. A small number are reserved for subprime borrowers where it doesn't matter as much.
Loan flexibility
Amounts ($500–$150k), terms (24–96 months), and supported purposes (purchase / refi / lease buyout) all factor in.
Rates current as of January 2026, sourced from each lender's public website. Subject to change without notice. Final APR depends on credit, vehicle, term, loan amount, and lender underwriting. CarSavr earns referral compensation from partner lenders; this never affects ranking — see our How We Make Money policy.