{"id":9849,"date":"2022-11-09T02:06:44","date_gmt":"2022-11-09T01:06:44","guid":{"rendered":"https:\/\/ecreditdaily.com\/?p=9849"},"modified":"2022-11-09T02:06:44","modified_gmt":"2022-11-09T01:06:44","slug":"penfed-car-loan-rates","status":"publish","type":"post","link":"https:\/\/businessfinancenews.com\/loans\/penfed-car-loan-rates\/","title":{"rendered":"penfed car loan rates"},"content":{"rendered":"<div readability=\"188.45069212411\">\n<p>Lenders are competitive by offering low-interest rates to borrowers they believe to be reliable. The best auto loan rates available for new vehicles currently are 2.5% and below. These rates are offered by many providers, including banks and credit unions.<\/p>\n<ul>\n<li aria-level=\"1\">PenFed Credit Union is the top-rated institution with an annual percentage rating of 1.04%.<\/li>\n<li aria-level=\"1\">The interest rates are generally lower for shorter terms, typically between 24 and 36 months.<\/li>\n<li aria-level=\"1\">Compare quotes from several lenders to get the best auto loan rate for you.<\/li>\n<\/ul>\n<p>This article will discuss the top five providers of low auto loan rates. We also explain how to find financing terms. It\u2019s a smart idea to compare prequalification offers from multiple top lenders when shopping for auto loans.<\/p>\n<h2>Five Providers with the Best Auto Loan Rates<\/h2>\n<p>According to our research, PenFed Credit Union offers the lowest annual percentage rate (APR), at 1.04%. Bank of America, myAutoloan.com, and Bank of America also offer the best rates and financing terms.<\/p>\n<p>The best credit borrowers will get the lowest rates. The minimum credit score required to be approved for auto financing from a lender is not the minimum to obtain the lowest interest rate. Interest rates can change often. All information is correct at the time it was published.<\/p>\n<h3>PenFed Credit Union<\/h3>\n<p>PenFed Credit Union offers one of the most affordable annual percentage rates among banks, credit unions, and loan companies. Although the advertised rate is 1.04%, it\u2019s not possible to get rates this low.<\/p>\n<p>PenFed\u2019s car-buying service allows you to purchase a vehicle for a 36-month term. This rate applies to all customers. PenFed Credit Union partners with TrueCar to provide vehicle listings in your area. The low APR makes this an attractive option.<\/p>\n<p>Lender rates for vehicles purchased without this buying service start at 1.79%. The buying service is required to get a used car loan. Otherwise, the rates are 2.39% and 1.64%, respectively.<\/p>\n<p>These rates are still among the most competitive compared to other lenders\u2019 rates for used and new vehicles. PenFed Credit Union membership requires a deposit. A variety of organizations allow you to become a member.<\/p>\n<h3>Bank of America<\/h3>\n<p>For borrowers with good credit, Bank of America offers a new vehicle loan APR of 2.399%. This is 10% lower than other lenders. Refinance loans are available for existing loans at 3.39%.<\/p>\n<p>Used car rates start from 2.59%. Members of Bank of America Preferred Rewards can receive a 0.5% interest rate discount. Bank of America is a national bank that works with many dealerships throughout the country. This means you have many options.<\/p>\n<p>Bank of America will not finance more than 125,000 miles on the odometer or older than ten years. Bank of America will not finance vehicles less than $6,000 or alternative vehicles such as motorcycles and RVs.<\/p>\n<h3>MyAutoloan.com<\/h3>\n<p>MyAutoloan.com, an internet-based lender, has been in existence since 2003. It offers rates starting at 2.49%. Over 700 Trustpilot customers have rated the company 4.3 out of 5 stars. The company also has an A  rating and Better Business Bureau (BBB) accreditation.<\/p>\n<p>To qualify, borrowers must have a minimum credit score of 575. MyAutoloan has a lower credit score requirement than many top lenders. This makes it an excellent option for those who need to get a car loan with bad credit.<\/p>\n<p>MyAutoloan is different than the other companies because it offers an online marketplace that allows you to compare rates from multiple lenders.<\/p>\n<p>To find the best auto loan rates, it\u2019s a good idea, and you can save time by using myAutoloan. MyAutoloan requires that you borrow at least $8,000<\/p>\n<h3>Consumers Credit Union<\/h3>\n<p>Consumers Credit Union offers auto loans at very low rates. The credit union is based in Illinois and offers membership to anyone who can pay and have at least $5 saved in a savings account. BBB has awarded the credit union an A  rating.<\/p>\n<p>Consumers Credit Union offers auto loans to people with excellent credit. This means that they are open to anyone who has good to exceptional credit.<\/p>\n<p>Consumers Credit Union is a TrueCar partner like PenFed Credit Union. TrueCar helps shoppers locate vehicles across the country. TrueCar customers can still receive the same interest rates regardless of whether they shop with TrueCar.<\/p>\n<p>Rates start at 2.49% to finance a new vehicle and 2.74% for financing a used vehicle. Consumers Credit Union offers a discount of 0.25% on autopay and an additional 0.25% if that autopay is linked with a Consumers Credit Union bank account.<\/p>\n<h3>LightStream<\/h3>\n<p>LightStream, the online lending arm of Truist Bank, was founded in 2004. It was created when SunTrust Bank and Branch Banking and Trust Company merged. It has a rating of 4.9 stars out of 5.0 stars based on 18,000 customer reviews.<\/p>\n<p>The BBB has accredited it with an A  rating. LightStream offers loans of any kind to those with good credit. Auto loans don\u2019t have any restrictions regarding the vehicle it is being financed. This gives borrowers plenty of options. The starting loan amount is $5,000.<\/p>\n<p>Auto loans from LightStream start at 2.499% for new and used vehicles. These rates also include an autopay discount. The rate without autopay will be 0.5% lower. LightStream\u2019s Rate Beat program is a nice option.<\/p>\n<p>LightStream will beat any competitor\u2019s interest rate under certain conditions. LightStream will offer a 0.1% discount if you have been approved for a lower rate from a comparable lender for the same terms, and you can prove it.<\/p>\n<h2>What is a good car loan interest rate?<\/h2>\n<p>What is the current best car loan rate? The National Credit Union Administration (NCUA) reports that the average new 60-month car loan from a credit union has a 3.09% interest rate.<\/p>\n<p>The average interest rate from a bank is 4.81%. These rates are good indicators that you are getting a fair rate for your car loan.<\/p>\n<h3>What is the Good Used Car Loan Rate?<\/h3>\n<p>Used car loan rates are generally higher than new car rates. A good used car loan rate from a bank for 48 months is 5.16% or less. A credit union\u2019s good rate for used cars is 3.16%.<\/p>\n<h3>What affects the loan interest rates<\/h3>\n<p>These rates are the average APRs, based on information provided to NCUA. There may be different rates depending on many factors.<\/p>\n<ul>\n<li aria-level=\"1\">Credit score: Low credit scores will result in a higher interest rate. The single most important factor that lenders use to decide rates is the credit score.<\/li>\n<li aria-level=\"1\">A shorter term means lower interest rates. To get a shorter-term loan at a lower overall cost, consider making higher monthly payments.<\/li>\n<li aria-level=\"1\">Credit report: Lenders will look at all credit reports. Two people with identical scores can get different rates depending on how they were calculated.<\/li>\n<li aria-level=\"1\">Income: Lenders may require a minimum income to qualify borrowers and get the best auto loan rates.<\/li>\n<li aria-level=\"1\">You can reduce your interest rates by making a higher down payment.<\/li>\n<li aria-level=\"1\">Interview process: A professional approach and supporting documentation are key to getting the best auto loan rate for you.<\/li>\n<li aria-level=\"1\">Negotiation: You can use multiple pre-qualifications to negotiate interest rates with lenders.<\/li>\n<li aria-level=\"1\">Autopay: Many lenders offer discounts on autopay. If you have an account with the same credit union, you may also be eligible for a discount on your loan.<\/li>\n<\/ul>\n<h3>Which bank has the best auto loan rates?<\/h3>\n<p>Bank of America currently has the lowest rate on car loans (starting at 2.39%). If you have excellent credit and a new vehicle, you can get these rates. Other banks may offer lower rates than the best auto loan rates, but you might be able to get a better rate.<\/p>\n<h2>How to get the best auto loan rates<\/h2>\n<p>There are many ways to save money while still getting the best auto loan rates. If saving money is your goal, you might consider purchasing a pre-owned or certified used car.<\/p>\n<p>A used or certified pre-owned car that is two- to three years old will cost you significantly less than a newer model. You can save money even if your APR rises by 1 to 2%.<\/p>\n<p>There are a few things you can do to lower your interest rate. If you put in the effort, you can improve your credit score in a matter of months or even a year.<\/p>\n<p>You can easily move up a credit score by 20-30 points and have a significant impact on your auto loan options. To reduce your APR, you can make a higher down payment.<\/p>\n<p>You can ask a relative with a high credit score to cosign your loan if your credit score isn\u2019t as good as you would like. Their good credit can be used to obtain the best auto loan rates.<\/p>\n<p>This route will allow you to ensure that you can afford your monthly payments. If not, your credit score and credit rating could be affected.<\/p>\n<p>The related point is that if you buy an extended warranty from a dealer, the cost can often be added to your monthly car payment.<\/p>\n<p>This will increase the amount of your loan and the amount of interest you pay. If you want to save money while protecting your vehicle, it might be better to buy a standalone vehicle maintenance contract later.<\/p>\n<h2>Compare Auto Loan Providers<\/h2>\n<p>It is easy to compare auto loan rates. Before you meet with a loan officer at your car dealership, do this. As long as they do not require a hard credit check, you can receive as many pre-approvals as you like.<\/p>\n<p>Once you are ready to accept an offer, you must complete a loan application with the institution that offers the best auto loan rates.<\/p>\n<h4>Tags<\/h4>\n<p>\u00a0<\/p>\n<div class=\"abh_box abh_box_down abh_box_business\">\n<div class=\"abh_tab_content\">\n<section class=\"vcard author abh_about_tab abh_tab\" itemscope itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\" readability=\"4.1447368421053\">\n<div class=\"abh_image\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\"> <noscript><\/noscript> <\/div>\n<div class=\"abh_text\" readability=\"35.921052631579\">\n<p>Jason writes about all financial topics such as loans, debt solutions, and bankruptcy. He is an expert when it comes to subjects like APR, loan fine print, debt collection laws within the United States. With his in-depth\u00a0knowledge of all things financial, he is a great asset to Greendayonline.<\/p>\n<\/div>\n<\/section>\n<section class=\"abh_posts_tab abh_tab\">\n<div class=\"abh_image\"><noscript><\/noscript><\/div>\n<div class=\"abh_text\" readability=\"11.935\">\n<div class=\"abh_name\" readability=\"5.7435897435897\">Latest posts by Jason Rathman <span class=\"abh_allposts\">(see all)<\/span><\/div>\n<\/div>\n<\/section>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Lenders are competitive by offering low-interest rates to borrowers they believe to be reliable. The best auto loan rates available for new vehicles currently are 2.5% and below. These rates are offered by many providers, including banks and credit unions. PenFed Credit Union is the top-rated institution with an annual percentage rating of 1.04%. The<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>penfed car loan rates - Business Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessfinancenews.com\/loans\/penfed-car-loan-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"penfed car loan rates - Business Finance\" \/>\n<meta property=\"og:description\" content=\"Lenders are competitive by offering low-interest rates to borrowers they believe to be reliable. 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I am now living in the United States. I have a house in Ontario, but I actually never go.\u00a0 I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. 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I am now living in the United States. I have a house in Ontario, but I actually never go.\u00a0 I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.","sameAs":["https:\/\/businessfinancenews.com"],"url":"https:\/\/businessfinancenews.com\/author\/laidler\/"}]}},"taxonomy_info":{"category":[{"value":4,"label":"Personal Loans"}]},"featured_image_src_large":false,"author_info":{"display_name":"D Laidler","author_link":"https:\/\/businessfinancenews.com\/author\/laidler\/"},"comment_info":0,"category_info":[{"term_id":4,"name":"Personal Loans","slug":"loans","term_group":0,"term_taxonomy_id":4,"taxonomy":"category","description":"","parent":0,"count":508,"filter":"raw","cat_ID":4,"category_count":508,"category_description":"","cat_name":"Personal Loans","category_nicename":"loans","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/9849"}],"collection":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/comments?post=9849"}],"version-history":[{"count":0,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/9849\/revisions"}],"wp:attachment":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/media?parent=9849"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/categories?post=9849"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/tags?post=9849"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}